Visbanking Logo
Skip to main content

Red River State Bank

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

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2024-Q3QoQ -1

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

Quarterly Headline

2024-Q3

Bank #1005655 2024-Q3 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 14.5% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 14.5% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 9.08% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -6
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ +3
65
Sub-score

Liquidity is stable: brokered 0.2%, loans/deposits 105.1%, cash 2.0% of assets.

Cash / Assets
2.04%
Loans / Deposits
105.11%
Brokered %
0.24%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 105.1% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.04% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.50%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 18.92%, CET1 18.92%, leverage 13.21%.

Tier 1 RBC
18.92%
CET1
18.92%
Leverage
13.21%
No watch items at this period.

Asset Quality

WatchQoQ -6
51
Sub-score

Asset quality is deteriorating: Adjusted NPL 9.08%, Texas Ratio 56.9%, NCO YTD 0.89%.

Adjusted NPL
9.08%
Govt-guarantees stripped
Texas Ratio
56.9%
NCO YTD
0.89%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 9.08% (govt-guarantees stripped).
  • infoTexas Ratio above 50% — Texas Ratio 56.9% (industry watch band 50% / risk band 100%).

Reserves

RiskQoQ +1
27
Sub-score

Reserves are weak: ALLL 1.30% of loans, coverage 14.5%, true coverage 14.5%.

ALLL / Loans
1.30%
Coverage
14.5%
True Loss Coverage
14.5%

Watch Items

  • riskALLL / NPL below 50% — Coverage 14.5% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 14.5% (Adjusted NPL + Performing Mods denominator).

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