Visbanking Logo
Skip to main content

The Riddell National Bank

IDRSSD: 319047
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
75
/ 100
StableAs of 2025-Q3QoQ -1

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 #319047 2025-Q3 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.61% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -3

The five pillars

Liquidity

StableQoQ +3
75
Sub-score

Liquidity is stable: brokered 1.1%, loans/deposits 86.0%, cash 2.6% of assets.

Cash / Assets
2.61%
Loans / Deposits
85.98%
Brokered %
1.08%

Watch Items

  • infoCash / Assets below 3% — Cash 2.61% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StableQoQ -1
61
Sub-score

Capital position is stable: Tier 1 RBC 10.91%, CET1 10.91%, leverage 8.48%.

Tier 1 RBC
10.91%
CET1
10.91%
Leverage
8.48%
No watch items at this period.

Asset Quality

StableQoQ -4
76
Sub-score

Asset quality is stable: Adjusted NPL 1.06%, Texas Ratio 8.7%, NCO YTD 0.05%.

Adjusted NPL
1.06%
Govt-guarantees stripped
Texas Ratio
8.7%
NCO YTD
0.05%
30-89 PD
3.41%
Band 0.3% / 3.0%
90+ PD
0.39%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -3
72
Sub-score

Reserves are stable: ALLL 1.22% of loans, coverage 115.6%, true coverage 99.6%.

ALLL / Loans
1.22%
Coverage
115.6%
True Loss Coverage
99.6%
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: 2026-05-13 16:46:10 UTC