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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2025-Q3QoQ 0

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

Quarterly Headline

2025-Q3

Bank #501459 2025-Q3 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 40.4% (Adjusted NPL + Performing Mods denominator).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.57% of loans.
  3. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.02% of loans.

What changed this quarter

Compared to Q2 2025:
↓ 0 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -7
  • Reserves
    ↑ +14

The five pillars

Liquidity

StrongQoQ +1
88
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 84.2%, cash 7.8% of assets.

Cash / Assets
7.79%
Loans / Deposits
84.22%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.37%
No watch items at this period.

Capitalization

StableQoQ -2
76
Sub-score

Capital position is stable: Tier 1 RBC 11.94%, CET1 11.94%, leverage 10.05%.

Tier 1 RBC
11.94%
CET1
11.94%
Leverage
10.05%
No watch items at this period.

Asset Quality

StrongQoQ -7
92
Sub-score

Asset quality is strong: Adjusted NPL 0.14%, Texas Ratio 1.0%, NCO YTD 1.02%.

Adjusted NPL
0.14%
Govt-guarantees stripped
Texas Ratio
1.0%
NCO YTD
1.02%
30-89 PD
0.05%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.02% of loans.

Reserves

WatchQoQ +14
41
Sub-score

Reserves are deteriorating: ALLL 0.57% of loans, coverage 424.0%, true coverage 40.4%.

ALLL / Loans
0.57%
Coverage
424.0%
True Loss Coverage
40.4%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 40.4% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.57% 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