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Rochelle State Bank

IDRSSD: 649632
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
69
/ 100
StableAs of 2024-Q3QoQ -14

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 #649632 2024-Q3 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 4.34% of loans.

What changed this quarter

Compared to Q2 2024:
↓ -14 ptscomposite
  • Liquidity
    ↓ -11
  • Securities
    — —
  • Capitalization
    ↓ -18
  • Asset Quality
    ↓ -32
  • Reserves
    ↑ +5

The five pillars

Liquidity

StrongQoQ -11
81
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 90.7%, cash 5.9% of assets.

Cash / Assets
5.94%
Loans / Deposits
90.65%
Brokered %
0.00%
No watch items at this period.

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

WatchQoQ -18
56
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.47%, CET1 10.47%, leverage 8.62%.

Tier 1 RBC
10.47%
CET1
10.47%
Leverage
8.62%
No watch items at this period.

Asset Quality

StableQoQ -32
62
Sub-score

Asset quality is stable: Adjusted NPL 0.98%, Texas Ratio 8.0%, NCO YTD 4.34%.

Adjusted NPL
0.98%
Govt-guarantees stripped
Texas Ratio
8.0%
NCO YTD
4.34%
30-89 PD
4.35%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 4.34% of loans.

Reserves

WatchQoQ +5
54
Sub-score

Reserves are deteriorating: ALLL 0.92% of loans, coverage 94.5%, true coverage 94.5%.

ALLL / Loans
0.92%
Coverage
94.5%
True Loss Coverage
94.5%
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 02:48:08 UTC