For bank, I would say 9/10. Looks pretty nice for your combat level.
Skills, maybe 5/10. You really should try to get 30+ all stats. It'll be helpful even if you don't like the skill, because you'll be able to do more quests. Good wcing level though.
My overall rating, eh... maybe 7/10. Decent, but like I said try getting 30+ all skills.
Good luck!