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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2024-Q4QoQ -2

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

Quarterly Headline

2024-Q4

Bank #235530 2024-Q4 Vital Signs Score: 75/100 — 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

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 42.5% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ -12
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +5
  • Reserves
    ↓ -3

The five pillars

Liquidity

StrongQoQ -12
88
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 66.9%, cash 4.7% of assets.

Cash / Assets
4.67%
Loans / Deposits
66.92%
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
2.93%
No watch items at this period.

Capitalization

StableQoQ -1
72
Sub-score

Capital position is stable: Tier 1 RBC 12.20%, CET1 12.20%, leverage 8.07%.

Tier 1 RBC
12.20%
CET1
12.20%
Leverage
8.07%
No watch items at this period.

Asset Quality

StrongQoQ +5
85
Sub-score

Asset quality is strong: Adjusted NPL 1.81%, Texas Ratio 12.5%, NCO YTD 0.00%.

Adjusted NPL
1.81%
Govt-guarantees stripped
Texas Ratio
12.5%
NCO YTD
0.00%
30-89 PD
0.41%
Band 0.3% / 3.0%
90+ PD
0.38%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -3
20
Sub-score

Reserves are weak: ALLL 0.92% of loans, coverage 51.4%, true coverage 42.5%.

ALLL / Loans
0.92%
Coverage
51.4%
True Loss Coverage
42.5%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 42.5% (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