Visbanking Logo
Skip to main content

Robertson Banking Company

IDRSSD: 430036
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
96
/ 100
StrongAs of 2024-Q1QoQ +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-Q1

Bank #430036 2024-Q1 Vital Signs Score: 96/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (strong).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q4 2023:
↑ +2 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↑ +6
  • Asset Quality
    ↑ +6
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -4
92
Sub-score

Liquidity is strong: brokered 0.1%, loans/deposits 74.7%, cash 7.4% of assets.

Cash / Assets
7.39%
Loans / Deposits
74.68%
Brokered %
0.07%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.35%
No watch items at this period.

Capitalization

StrongQoQ +6
91
Sub-score

Capital position is strong: Tier 1 RBC 12.72%, CET1 12.72%, leverage 9.66%.

Tier 1 RBC
12.72%
CET1
12.72%
Leverage
9.66%
No watch items at this period.

Asset Quality

StrongQoQ +6
100
Sub-score

Asset quality is strong: Adjusted NPL 0.43%, Texas Ratio 2.7%, NCO YTD -0.12%.

Adjusted NPL
0.43%
Govt-guarantees stripped
Texas Ratio
2.7%
NCO YTD
-0.12%
30-89 PD
0.25%
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 365.9%, true coverage 261.3%.

ALLL / Loans
1.54%
Coverage
365.9%
True Loss Coverage
261.3%
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 16:13:42 UTC