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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
95
/ 100
StrongAs of 2024-Q3QoQ +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-Q3

Bank #316840 2024-Q3 Vital Signs Score: 95/100 — 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. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.9% (threshold 100%).

What changed this quarter

Compared to Q2 2024:
↑ +5 ptscomposite
  • Liquidity
    ↑ +9
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +15
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +9
78
Sub-score

Liquidity is stable: brokered 1.9%, loans/deposits 101.9%, cash 7.9% of assets.

Cash / Assets
7.93%
Loans / Deposits
101.90%
Brokered %
1.95%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.9% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.19%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 14.96%, CET1 14.96%, leverage 13.45%.

Tier 1 RBC
14.96%
CET1
14.96%
Leverage
13.45%
No watch items at this period.

Asset Quality

StrongQoQ +15
98
Sub-score

Asset quality is strong: Adjusted NPL 0.37%, Texas Ratio 2.0%, NCO YTD 0.31%.

Adjusted NPL
0.37%
Govt-guarantees stripped
Texas Ratio
2.0%
NCO YTD
0.31%
30-89 PD
0.28%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 1.54% of loans, coverage 419.6%, true coverage 416.8%.

ALLL / Loans
1.54%
Coverage
419.6%
True Loss Coverage
416.8%
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