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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-Q4

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

Synthesis

Vital Signs Score
81
/ 100
StrongAs 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 #466044 2025-Q4 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.87% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -12

The five pillars

Liquidity

StableQoQ +3
80
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 78.6%, cash 2.9% of assets.

Cash / Assets
2.87%
Loans / Deposits
78.56%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.87% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.23%
No watch items at this period.

Capitalization

StableQoQ +3
78
Sub-score

Capital position is stable: Tier 1 RBC 12.11%, CET1 12.11%, leverage 9.25%.

Tier 1 RBC
12.11%
CET1
12.11%
Leverage
9.25%
No watch items at this period.

Asset Quality

StrongQoQ -3
83
Sub-score

Asset quality is strong: Adjusted NPL 1.52%, Texas Ratio 9.9%, NCO YTD 0.73%.

Adjusted NPL
1.52%
Govt-guarantees stripped
Texas Ratio
9.9%
NCO YTD
0.73%
30-89 PD
0.67%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -12
65
Sub-score

Reserves are stable: ALLL 1.34% of loans, coverage 89.3%, true coverage 89.3%.

ALLL / Loans
1.34%
Coverage
89.3%
True Loss Coverage
89.3%
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