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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
59
/ 100
WatchAs of 2025-Q1QoQ +4

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

Quarterly Headline

2025-Q1

Bank #1005655 2025-Q1 Vital Signs Score: 59/100 — 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 14.2% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 14.2% (Adjusted NPL + Performing Mods denominator).
  3. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).

What changed this quarter

Compared to Q4 2024:
↑ +4 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +17
  • Reserves
    ↑ +5

The five pillars

Liquidity

StableQoQ -4
65
Sub-score

Liquidity is stable: brokered 7.8%, loans/deposits 95.4%, cash 2.3% of assets.

Cash / Assets
2.28%
Loans / Deposits
95.37%
Brokered %
7.79%

Watch Items

  • infoCash / Assets below 3% — Cash 2.28% 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
2.43%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 13.12%.

Tier 1 RBC
—
CET1
0.00%
Leverage
13.12%

Watch Items

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

Asset Quality

WatchQoQ +17
59
Sub-score

Asset quality is deteriorating: Adjusted NPL 8.27%, Texas Ratio 49.0%, NCO YTD -0.05%.

Adjusted NPL
8.27%
Govt-guarantees stripped
Texas Ratio
49.0%
NCO YTD
-0.05%
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 8.27% (govt-guarantees stripped).

Reserves

RiskQoQ +5
22
Sub-score

Reserves are weak: ALLL 1.16% of loans, coverage 14.2%, true coverage 14.2%.

ALLL / Loans
1.16%
Coverage
14.2%
True Loss Coverage
14.2%

Watch Items

  • riskALLL / NPL below 50% — Coverage 14.2% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 14.2% (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