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Bank Of Odessa

IDRSSD: 819453
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2024-Q1QoQ -5

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

Quarterly Headline

2024-Q1

Bank #819453 2024-Q1 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.46%.

What changed this quarter

Compared to Q4 2023:
↓ -5 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -13
  • Reserves
    ↓ -17

The five pillars

Liquidity

StrongQoQ +6
83
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 93.5%, cash 7.4% of assets.

Cash / Assets
7.42%
Loans / Deposits
93.47%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 13.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
13.84%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 20.71%, CET1 20.71%, leverage 13.16%.

Tier 1 RBC
20.71%
CET1
20.71%
Leverage
13.16%
No watch items at this period.

Asset Quality

StableQoQ -13
63
Sub-score

Asset quality is stable: Adjusted NPL 1.47%, Texas Ratio 8.0%, NCO YTD 0.02%.

Adjusted NPL
1.47%
Govt-guarantees stripped
Texas Ratio
8.0%
NCO YTD
0.02%
30-89 PD
4.78%
Band 0.3% / 3.0%
90+ PD
1.46%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.46%.

Reserves

StableQoQ -17
69
Sub-score

Reserves are stable: ALLL 1.39% of loans, coverage 95.8%, true coverage 92.1%.

ALLL / Loans
1.39%
Coverage
95.8%
True Loss Coverage
92.1%
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: 2026-05-15 01:08:35 UTC