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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-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2024-Q2QoQ +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-Q2

Bank #819453 2024-Q2 Vital Signs Score: 86/100 — 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 1.16%.

What changed this quarter

Compared to Q1 2024:
↑ +4 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +6
  • Reserves
    ↑ +10

The five pillars

Liquidity

StrongQoQ +3
86
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 93.6%, cash 8.8% of assets.

Cash / Assets
8.83%
Loans / Deposits
93.64%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 12.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
12.60%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 21.46%, CET1 21.46%, leverage 13.42%.

Tier 1 RBC
21.46%
CET1
21.46%
Leverage
13.42%
No watch items at this period.

Asset Quality

StableQoQ +6
69
Sub-score

Asset quality is stable: Adjusted NPL 1.18%, Texas Ratio 6.2%, NCO YTD 0.09%.

Adjusted NPL
1.18%
Govt-guarantees stripped
Texas Ratio
6.2%
NCO YTD
0.09%
30-89 PD
2.79%
Band 0.3% / 3.0%
90+ PD
1.16%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.16%.

Reserves

StableQoQ +10
79
Sub-score

Reserves are stable: ALLL 1.41% of loans, coverage 121.1%, true coverage 115.4%.

ALLL / Loans
1.41%
Coverage
121.1%
True Loss Coverage
115.4%
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