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Reading Co Operative Bank

IDRSSD: 1008674
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2025-Q2QoQ -6

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

Quarterly Headline

2025-Q2

Bank #1008674 2025-Q2 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.82% of assets (threshold 3%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.63% of loans.

What changed this quarter

Compared to Q1 2025:
↓ -6 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -22
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ -5

The five pillars

Liquidity

StableQoQ 0
61
Sub-score

Liquidity is stable: brokered 12.3%, loans/deposits 90.9%, cash 0.8% of assets.

Cash / Assets
0.82%
Loans / Deposits
90.91%
Brokered %
12.30%

Watch Items

  • riskCash / Assets below 3% — Cash 0.82% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

WatchQoQ -22
41
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.82%, CET1 9.82%, leverage 6.88%.

Tier 1 RBC
9.82%
CET1
9.82%
Leverage
6.88%
No watch items at this period.

Asset Quality

StrongQoQ +2
97
Sub-score

Asset quality is strong: Adjusted NPL 0.82%, Texas Ratio 9.5%, NCO YTD 0.10%.

Adjusted NPL
0.82%
Govt-guarantees stripped
Texas Ratio
9.5%
NCO YTD
0.10%
30-89 PD
0.22%
Band 0.3% / 3.0%
90+ PD
0.07%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -5
32
Sub-score

Reserves are weak: ALLL 0.63% of loans, coverage 77.0%, true coverage 75.9%.

ALLL / Loans
0.63%
Coverage
77.0%
True Loss Coverage
75.9%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.63% 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: 2026-05-14 06:25:06 UTC