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Red River State Bank

IDRSSD: 1005655
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2023-Q4QoQ -19

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

Quarterly Headline

2023-Q4

Bank #1005655 2023-Q4 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 4.36% of loans.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.63% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↓ -19 ptscomposite
  • Liquidity
    ↓ -13
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -42
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -13
70
Sub-score

Liquidity is stable: brokered 4.9%, loans/deposits 97.6%, cash 4.0% of assets.

Cash / Assets
4.03%
Loans / Deposits
97.61%
Brokered %
4.89%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.24%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.92%, CET1 17.92%, leverage 12.16%.

Tier 1 RBC
17.92%
CET1
17.92%
Leverage
12.16%
No watch items at this period.

Asset Quality

WatchQoQ -42
58
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.63%, Texas Ratio 16.4%, NCO YTD 4.36%.

Adjusted NPL
2.63%
Govt-guarantees stripped
Texas Ratio
16.4%
NCO YTD
4.36%
30-89 PD
1.32%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.63% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 4.36% of loans.

Reserves

Watch
54
Sub-score

Reserves are deteriorating: ALLL 1.70% of loans, coverage 65.7%, true coverage 65.7%.

ALLL / Loans
1.70%
Coverage
65.7%
True Loss Coverage
65.7%
No watch items at this period.

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: 2026-05-15 01:29:34 UTC