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Royal Banks Of Missouri

IDRSSD: 501459
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
80
/ 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 #501459 2025-Q1 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 27.6% (Adjusted NPL + Performing Mods denominator).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.68% of loans.

What changed this quarter

Compared to Q4 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -20

The five pillars

Liquidity

StrongQoQ 0
94
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 81.3%, cash 12.7% of assets.

Cash / Assets
12.70%
Loans / Deposits
81.34%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.42%
No watch items at this period.

Capitalization

StableQoQ +5
76
Sub-score

Capital position is stable: Tier 1 RBC 11.95%, CET1 11.95%, leverage 9.76%.

Tier 1 RBC
11.95%
CET1
11.95%
Leverage
9.76%
No watch items at this period.

Asset Quality

StrongQoQ -1
99
Sub-score

Asset quality is strong: Adjusted NPL 0.59%, Texas Ratio 4.1%, NCO YTD 0.01%.

Adjusted NPL
0.59%
Govt-guarantees stripped
Texas Ratio
4.1%
NCO YTD
0.01%
30-89 PD
0.06%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -20
20
Sub-score

Reserves are weak: ALLL 0.68% of loans, coverage 114.4%, true coverage 27.6%.

ALLL / Loans
0.68%
Coverage
114.4%
True Loss Coverage
27.6%

Watch Items

  • watchTrue Loss Coverage Ratio below 50% — True coverage 27.6% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.68% 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: 2026-05-12 21:26:58 UTC