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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
53
/ 100
WatchAs of 2025-Q3QoQ 0

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

Quarterly Headline

2025-Q3

Bank #1005655 2025-Q3 Vital Signs Score: 53/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 11.0% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 11.0% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 12.73% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ 0
  • Reserves
    ↑ +3

The five pillars

Liquidity

WatchQoQ -4
60
Sub-score

Liquidity is deteriorating: brokered 4.3%, loans/deposits 104.8%, cash 0.7% of assets.

Cash / Assets
0.69%
Loans / Deposits
104.80%
Brokered %
4.34%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 104.8% (threshold 100%).
  • riskCash / Assets below 3% — Cash 0.69% 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
2.46%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 14.51%.

Tier 1 RBC
—
CET1
0.00%
Leverage
14.51%

Watch Items

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

Asset Quality

RiskQoQ 0
39
Sub-score

Asset quality is weak: Adjusted NPL 12.73%, Texas Ratio 72.1%, NCO YTD 0.00%.

Adjusted NPL
12.73%
Govt-guarantees stripped
Texas Ratio
72.1%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
4.67%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 12.73% (govt-guarantees stripped).
  • infoTexas Ratio above 50% — Texas Ratio 72.1% (industry watch band 50% / risk band 100%).
  • risk90+ days past due elevated — 90+ PD 4.67%.

Reserves

RiskQoQ +3
29
Sub-score

Reserves are weak: ALLL 1.38% of loans, coverage 11.0%, true coverage 11.0%.

ALLL / Loans
1.38%
Coverage
11.0%
True Loss Coverage
11.0%

Watch Items

  • riskALLL / NPL below 50% — Coverage 11.0% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 11.0% (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