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Reliance State Bank

IDRSSD: 466044
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q2QoQ -8

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

Quarterly Headline

2025-Q2

Bank #466044 2025-Q2 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.74% (govt-guarantees stripped).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.73% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↓ -8 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↓ -13
  • Reserves
    ↓ -46

The five pillars

Liquidity

StableQoQ +2
78
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 82.4%, cash 2.7% of assets.

Cash / Assets
2.73%
Loans / Deposits
82.37%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.73% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.11%
No watch items at this period.

Capitalization

StableQoQ +5
70
Sub-score

Capital position is stable: Tier 1 RBC 11.57%, CET1 11.57%, leverage 8.86%.

Tier 1 RBC
11.57%
CET1
11.57%
Leverage
8.86%
No watch items at this period.

Asset Quality

StableQoQ -13
78
Sub-score

Asset quality is stable: Adjusted NPL 2.74%, Texas Ratio 18.7%, NCO YTD 0.00%.

Adjusted NPL
2.74%
Govt-guarantees stripped
Texas Ratio
18.7%
NCO YTD
0.00%
30-89 PD
0.56%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.74% (govt-guarantees stripped).

Reserves

WatchQoQ -46
47
Sub-score

Reserves are deteriorating: ALLL 1.50% of loans, coverage 55.7%, true coverage 55.7%.

ALLL / Loans
1.50%
Coverage
55.7%
True Loss Coverage
55.7%
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: 2026-05-14 22:31:49 UTC