Visbanking Logo
Skip to main content

Royal Business Bank

IDRSSD: 3835454
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2024-Q4QoQ -4

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

Quarterly Headline

2024-Q4

Bank #3835454 2024-Q4 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.69% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↓ -4 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -10
  • Reserves
    ↓ -6

The five pillars

Liquidity

StableQoQ -5
77
Sub-score

Liquidity is stable: brokered 3.0%, loans/deposits 96.8%, cash 6.4% of assets.

Cash / Assets
6.45%
Loans / Deposits
96.76%
Brokered %
2.99%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.13%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 21.74%, CET1 21.74%, leverage 13.71%.

Tier 1 RBC
21.74%
CET1
21.74%
Leverage
13.71%
No watch items at this period.

Asset Quality

StableQoQ -10
77
Sub-score

Asset quality is stable: Adjusted NPL 2.69%, Texas Ratio 13.6%, NCO YTD 0.26%.

Adjusted NPL
2.69%
Govt-guarantees stripped
Texas Ratio
13.6%
NCO YTD
0.26%
30-89 PD
0.73%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.69% (govt-guarantees stripped).

Reserves

WatchQoQ -6
49
Sub-score

Reserves are deteriorating: ALLL 1.56% of loans, coverage 58.8%, true coverage 58.8%.

ALLL / Loans
1.56%
Coverage
58.8%
True Loss Coverage
58.8%
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: 2026-05-14 10:42:17 UTC