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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
52
/ 100
WatchAs of 2025-Q4QoQ -1

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

Quarterly Headline

2025-Q4

Bank #1005655 2025-Q4 Vital Signs Score: 52/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 9.4% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 9.4% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 12.25% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -8

The five pillars

Liquidity

StableQoQ +3
62
Sub-score

Liquidity is stable: brokered 5.2%, loans/deposits 100.5%, cash 1.5% of assets.

Cash / Assets
1.48%
Loans / Deposits
100.50%
Brokered %
5.24%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.5% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.48% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.98%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 13.39%.

Tier 1 RBC
—
CET1
0.00%
Leverage
13.39%

Watch Items

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

Asset Quality

RiskQoQ -2
36
Sub-score

Asset quality is weak: Adjusted NPL 12.25%, Texas Ratio 73.2%, NCO YTD 2.97%.

Adjusted NPL
12.25%
Govt-guarantees stripped
Texas Ratio
73.2%
NCO YTD
2.97%
30-89 PD
0.63%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 12.25% (govt-guarantees stripped).
  • infoTexas Ratio above 50% — Texas Ratio 73.2% (industry watch band 50% / risk band 100%).
  • riskNet charge-offs elevated — NCO YTD 2.97% of loans.

Reserves

RiskQoQ -8
21
Sub-score

Reserves are weak: ALLL 1.14% of loans, coverage 9.4%, true coverage 9.4%.

ALLL / Loans
1.14%
Coverage
9.4%
True Loss Coverage
9.4%

Watch Items

  • riskALLL / NPL below 50% — Coverage 9.4% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 9.4% (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