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Rockland Savings Bank Fsb

IDRSSD: 95677
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
86
/ 100
StrongAs of 2024-Q1QoQ +10

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 #95677 2024-Q1 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 106.4% (threshold 100%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.74% of loans.

What changed this quarter

Compared to Q4 2023:
↑ +10 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    ↑ +43
  • Asset Quality
    — —
  • Reserves
    ↑ +3

The five pillars

Liquidity

StableQoQ -7
70
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 106.4%, cash 4.6% of assets.

Cash / Assets
4.58%
Loans / Deposits
106.44%
Brokered %
0.00%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 106.4% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.68%
No watch items at this period.

Capitalization

StrongQoQ +43
90
Sub-score

Capital position is strong: Tier 1 RBC 12.91%, CET1 12.91%, leverage 9.24%.

Tier 1 RBC
12.91%
CET1
12.91%
Leverage
9.24%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.22%, Texas Ratio 1.9%, NCO YTD -0.01%.

Adjusted NPL
0.22%
Govt-guarantees stripped
Texas Ratio
1.9%
NCO YTD
-0.01%
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

StableQoQ +3
66
Sub-score

Reserves are stable: ALLL 0.74% of loans, coverage 344.3%, true coverage 81.2%.

ALLL / Loans
0.74%
Coverage
344.3%
True Loss Coverage
81.2%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.74% 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: 2026-05-13 10:22:38 UTC