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Rochelle State Bank

IDRSSD: 649632
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2025-Q4QoQ +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-Q4

Bank #649632 2025-Q4 Vital Signs Score: 74/100 — 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
    ALLL / NPL below 50%
    Reserves — Coverage 48.8% (regulatory soft-warning level 50%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 48.8% (Adjusted NPL + Performing Mods denominator).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.14% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↑ +5 ptscomposite
  • Liquidity
    ↑ +9
  • Securities
    — —
  • Capitalization
    ↑ +10
  • Asset Quality
    ↑ +7
  • Reserves
    ↓ -5

The five pillars

Liquidity

StrongQoQ +9
92
Sub-score

Liquidity is strong: brokered 6.0%, loans/deposits 77.0%, cash 13.4% of assets.

Cash / Assets
13.39%
Loans / Deposits
76.98%
Brokered %
6.03%
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

StableQoQ +10
61
Sub-score

Capital position is stable: Tier 1 RBC 10.99%, CET1 10.99%, leverage 8.47%.

Tier 1 RBC
10.99%
CET1
10.99%
Leverage
8.47%
No watch items at this period.

Asset Quality

StrongQoQ +7
84
Sub-score

Asset quality is strong: Adjusted NPL 2.14%, Texas Ratio 16.4%, NCO YTD 0.15%.

Adjusted NPL
2.14%
Govt-guarantees stripped
Texas Ratio
16.4%
NCO YTD
0.15%
30-89 PD
0.35%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.14% (govt-guarantees stripped).

Reserves

RiskQoQ -5
27
Sub-score

Reserves are weak: ALLL 1.04% of loans, coverage 48.8%, true coverage 48.8%.

ALLL / Loans
1.04%
Coverage
48.8%
True Loss Coverage
48.8%

Watch Items

  • infoALLL / NPL below 50% — Coverage 48.8% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 48.8% (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 02:48:08 UTC