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Rockland Trust Company

IDRSSD: 613008
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
91
/ 100
StrongAs of 2023-Q4QoQ -2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #613008 2023-Q4 Vital Signs Score: 91/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.16% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↓ -2 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +3
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -7
68
Sub-score

Liquidity is stable: brokered 0.7%, loans/deposits 94.4%, cash 1.2% of assets.

Cash / Assets
1.16%
Loans / Deposits
94.41%
Brokered %
0.67%

Watch Items

  • watchCash / Assets below 3% — Cash 1.16% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 12.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
12.08%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 14.37%, CET1 14.37%, leverage 10.54%.

Tier 1 RBC
14.37%
CET1
14.37%
Leverage
10.54%
No watch items at this period.

Asset Quality

StrongQoQ +3
100
Sub-score

Asset quality is strong: Adjusted NPL 0.38%, Texas Ratio 2.5%, NCO YTD 0.11%.

Adjusted NPL
0.38%
Govt-guarantees stripped
Texas Ratio
2.5%
NCO YTD
0.11%
30-89 PD
0.17%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
83
Sub-score

Reserves are strong: ALLL 1.00% of loans, coverage 261.5%, true coverage 171.9%.

ALLL / Loans
1.00%
Coverage
261.5%
True Loss Coverage
171.9%
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 00:06:34 UTC