Visbanking Logo
Skip to main content

Reliabank Dakota

IDRSSD: 108951
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
86
/ 100
StrongAs of 2024-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

2024-Q3

Bank #108951 2024-Q3 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.36% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↓ 0 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ 0
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ +1
74
Sub-score

Liquidity is stable: brokered 7.7%, loans/deposits 72.9%, cash 1.4% of assets.

Cash / Assets
1.36%
Loans / Deposits
72.95%
Brokered %
7.68%

Watch Items

  • watchCash / Assets below 3% — Cash 1.36% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.35%
No watch items at this period.

Capitalization

StrongQoQ -2
82
Sub-score

Capital position is strong: Tier 1 RBC 12.85%, CET1 12.85%, leverage 8.85%.

Tier 1 RBC
12.85%
CET1
12.85%
Leverage
8.85%
No watch items at this period.

Asset Quality

StrongQoQ 0
99
Sub-score

Asset quality is strong: Adjusted NPL 0.60%, Texas Ratio 3.7%, NCO YTD -0.01%.

Adjusted NPL
0.60%
Govt-guarantees stripped
Texas Ratio
3.7%
NCO YTD
-0.01%
30-89 PD
0.10%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +2
75
Sub-score

Reserves are stable: ALLL 0.98% of loans, coverage 165.5%, true coverage 161.1%.

ALLL / Loans
0.98%
Coverage
165.5%
True Loss Coverage
161.1%
No watch items at this period.

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 01:45:44 UTC