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Rbc Bank Georgia National Association

IDRSSD: 3783948
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2026-Q1QoQ -3

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2026-Q1

Bank #3783948 2026-Q1 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (watch).

Liquidity:Strong
Securities:Stable
Capitalization:Strong
Asset Quality:Strong
Reserves:Watch

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.69% of loans.

What changed this quarter

Compared to Q4 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    ↓ -15
  • Capitalization
    — —
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ -2

The five pillars

Liquidity

StrongQoQ -3
87
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 44.1%, cash 4.3% of assets.

Cash / Assets
4.26%
Loans / Deposits
44.10%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ -15
60
Sub-score

Securities profile is stable: securities 31.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
31.94%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 43.93%, CET1 43.93%, leverage 10.81%.

Tier 1 RBC
43.93%
CET1
43.93%
Leverage
10.81%
No watch items at this period.

Asset Quality

StrongQoQ +1
95
Sub-score

Asset quality is strong: Adjusted NPL 0.62%, Texas Ratio 2.2%, NCO YTD 0.40%.

Adjusted NPL
0.62%
Govt-guarantees stripped
Texas Ratio
2.2%
NCO YTD
0.40%
30-89 PD
0.47%
Band 0.3% / 3.0%
90+ PD
0.12%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -2
53
Sub-score

Reserves are deteriorating: ALLL 0.69% of loans, coverage 112.0%, true coverage 111.8%.

ALLL / Loans
0.69%
Coverage
112.0%
True Loss Coverage
111.8%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.69% of loans.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 03:59:33 UTC