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Rockland Trust Company

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

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2025-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

2025-Q1

Bank #613008 2025-Q1 Vital Signs Score: 87/100 — 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. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.13% of loans.

What changed this quarter

Compared to Q4 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -11

The five pillars

Liquidity

StableQoQ +7
75
Sub-score

Liquidity is stable: brokered 0.4%, loans/deposits 90.2%, cash 3.6% of assets.

Cash / Assets
3.61%
Loans / Deposits
90.24%
Brokered %
0.42%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
9.86%
No watch items at this period.

Capitalization

StrongQoQ +2
100
Sub-score

Capital position is strong: Tier 1 RBC 15.31%, CET1 15.31%, leverage 11.44%.

Tier 1 RBC
15.31%
CET1
15.31%
Leverage
11.44%
No watch items at this period.

Asset Quality

StrongQoQ -8
89
Sub-score

Asset quality is strong: Adjusted NPL 0.62%, Texas Ratio 3.8%, NCO YTD 1.13%.

Adjusted NPL
0.62%
Govt-guarantees stripped
Texas Ratio
3.8%
NCO YTD
1.13%
30-89 PD
0.10%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.13% of loans.

Reserves

StableQoQ -11
64
Sub-score

Reserves are stable: ALLL 0.99% of loans, coverage 161.0%, true coverage 78.1%.

ALLL / Loans
0.99%
Coverage
161.0%
True Loss Coverage
78.1%
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