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Riverside Bank

IDRSSD: 977045
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2025-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

2025-Q3

Bank #977045 2025-Q3 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 19.3% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.10% of loans.
  3. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.20% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↑ +5 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    — —
  • Reserves
    ↑ +31

The five pillars

Liquidity

StableQoQ -1
68
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 94.2%, cash 1.2% of assets.

Cash / Assets
1.20%
Loans / Deposits
94.21%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.20% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ +4
100
Sub-score

Capital position is strong: Tier 1 RBC 16.23%, CET1 16.23%, leverage 10.65%.

Tier 1 RBC
16.23%
CET1
16.23%
Leverage
10.65%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.05%, Texas Ratio 0.4%, NCO YTD 0.00%.

Adjusted NPL
0.05%
Govt-guarantees stripped
Texas Ratio
0.4%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +31
33
Sub-score

Reserves are weak: ALLL 0.10% of loans, coverage 203.4%, true coverage 19.3%.

ALLL / Loans
0.10%
Coverage
203.4%
True Loss Coverage
19.3%

Watch Items

  • riskTrue Loss Coverage Ratio below 50% — True coverage 19.3% (Adjusted NPL + Performing Mods denominator).
  • riskALLL / Loans below 0.75% — ALLL 0.10% of loans.

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: 2026-05-14 22:44:21 UTC