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Resource Bank National Association

IDRSSD: 235530
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2024-Q1QoQ -11

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

Quarterly Headline

2024-Q1

Bank #235530 2024-Q1 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2023:
↓ -11 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -11
  • Reserves
    ↓ -54

The five pillars

Liquidity

StrongQoQ +4
91
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 67.6%, cash 6.1% of assets.

Cash / Assets
6.06%
Loans / Deposits
67.59%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.90%
No watch items at this period.

Capitalization

StableQoQ -3
75
Sub-score

Capital position is stable: Tier 1 RBC 11.94%, CET1 11.94%, leverage 8.14%.

Tier 1 RBC
11.94%
CET1
11.94%
Leverage
8.14%
No watch items at this period.

Asset Quality

StrongQoQ -11
87
Sub-score

Asset quality is strong: Adjusted NPL 1.55%, Texas Ratio 10.5%, NCO YTD 0.02%.

Adjusted NPL
1.55%
Govt-guarantees stripped
Texas Ratio
10.5%
NCO YTD
0.02%
30-89 PD
0.88%
Band 0.3% / 3.0%
90+ PD
0.06%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -54
29
Sub-score

Reserves are weak: ALLL 0.99% of loans, coverage 64.5%, true coverage 50.6%.

ALLL / Loans
0.99%
Coverage
64.5%
True Loss Coverage
50.6%
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 05:24:04 UTC