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Republic Bank And Trust Company

IDRSSD: 316840
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
90
/ 100
StrongAs of 2024-Q2QoQ -5

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

Quarterly Headline

2024-Q2

Bank #316840 2024-Q2 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.50% of loans.
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 102.2% (threshold 100%).

What changed this quarter

Compared to Q1 2024:
↓ -5 ptscomposite
  • Liquidity
    ↓ -9
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -15
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -9
69
Sub-score

Liquidity is stable: brokered 8.6%, loans/deposits 102.2%, cash 6.0% of assets.

Cash / Assets
6.04%
Loans / Deposits
102.18%
Brokered %
8.57%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 102.2% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.88%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 14.76%, CET1 14.76%, leverage 13.22%.

Tier 1 RBC
14.76%
CET1
14.76%
Leverage
13.22%
No watch items at this period.

Asset Quality

StrongQoQ -15
83
Sub-score

Asset quality is strong: Adjusted NPL 0.39%, Texas Ratio 2.1%, NCO YTD 2.50%.

Adjusted NPL
0.39%
Govt-guarantees stripped
Texas Ratio
2.1%
NCO YTD
2.50%
30-89 PD
0.22%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 2.50% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 1.52% of loans, coverage 392.8%, true coverage 391.8%.

ALLL / Loans
1.52%
Coverage
392.8%
True Loss Coverage
391.8%
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: 2026-05-13 01:42:25 UTC