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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 — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
54
/ 100
WatchAs of 2024-Q4QoQ -15

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

Quarterly Headline

2024-Q4

Bank #1005655 2024-Q4 Vital Signs Score: 54/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 12.6% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 12.6% (Adjusted NPL + Performing Mods denominator).
  3. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q3 2024:
↓ -15 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↓ -50
  • Asset Quality
    ↓ -9
  • Reserves
    ↓ -10

The five pillars

Liquidity

StableQoQ +4
68
Sub-score

Liquidity is stable: brokered 0.8%, loans/deposits 99.9%, cash 2.8% of assets.

Cash / Assets
2.79%
Loans / Deposits
99.91%
Brokered %
0.84%

Watch Items

  • infoCash / Assets below 3% — Cash 2.79% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.44%
No watch items at this period.

Capitalization

WatchQoQ -50
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 12.52%.

Tier 1 RBC
—
CET1
0.00%
Leverage
12.52%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

WatchQoQ -9
42
Sub-score

Asset quality is deteriorating: Adjusted NPL 7.99%, Texas Ratio 50.9%, NCO YTD 4.01%.

Adjusted NPL
7.99%
Govt-guarantees stripped
Texas Ratio
50.9%
NCO YTD
4.01%
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 7.99% (govt-guarantees stripped).
  • infoTexas Ratio above 50% — Texas Ratio 50.9% (industry watch band 50% / risk band 100%).
  • riskNet charge-offs elevated — NCO YTD 4.01% of loans.

Reserves

RiskQoQ -10
16
Sub-score

Reserves are weak: ALLL 0.99% of loans, coverage 12.6%, true coverage 12.6%.

ALLL / Loans
0.99%
Coverage
12.6%
True Loss Coverage
12.6%

Watch Items

  • riskALLL / NPL below 50% — Coverage 12.6% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 12.6% (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