Visbanking Logo
Skip to main content

Resource Bank National Association

IDRSSD: 235530
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
77
/ 100
StableAs of 2024-Q3QoQ +1

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 #235530 2024-Q3 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 44.5% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -6

The five pillars

Liquidity

StrongQoQ +7
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 66.9%, cash 10.1% of assets.

Cash / Assets
10.08%
Loans / Deposits
66.91%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.81%
No watch items at this period.

Capitalization

StableQoQ +2
73
Sub-score

Capital position is stable: Tier 1 RBC 12.28%, CET1 12.28%, leverage 7.97%.

Tier 1 RBC
12.28%
CET1
12.28%
Leverage
7.97%
No watch items at this period.

Asset Quality

StrongQoQ -2
80
Sub-score

Asset quality is strong: Adjusted NPL 1.69%, Texas Ratio 11.7%, NCO YTD 0.01%.

Adjusted NPL
1.69%
Govt-guarantees stripped
Texas Ratio
11.7%
NCO YTD
0.01%
30-89 PD
1.48%
Band 0.3% / 3.0%
90+ PD
0.30%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -6
23
Sub-score

Reserves are weak: ALLL 0.94% of loans, coverage 56.0%, true coverage 44.5%.

ALLL / Loans
0.94%
Coverage
56.0%
True Loss Coverage
44.5%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 44.5% (Adjusted NPL + Performing Mods denominator).

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