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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-Q4

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

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2024-Q4QoQ -1

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 #819453 2024-Q4 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.90%.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.08% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -5

The five pillars

Liquidity

StrongQoQ +4
90
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 90.4%, cash 11.5% of assets.

Cash / Assets
11.47%
Loans / Deposits
90.43%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 12.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
12.46%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 22.64%, CET1 22.64%, leverage 13.90%.

Tier 1 RBC
22.64%
CET1
22.64%
Leverage
13.90%
No watch items at this period.

Asset Quality

WatchQoQ -3
52
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.08%, Texas Ratio 10.5%, NCO YTD 0.36%.

Adjusted NPL
2.08%
Govt-guarantees stripped
Texas Ratio
10.5%
NCO YTD
0.36%
30-89 PD
3.79%
Band 0.3% / 3.0%
90+ PD
1.90%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.08% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.90%.

Reserves

WatchQoQ -5
49
Sub-score

Reserves are deteriorating: ALLL 1.36% of loans, coverage 66.3%, true coverage 64.6%.

ALLL / Loans
1.36%
Coverage
66.3%
True Loss Coverage
64.6%
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: 2026-05-15 01:08:35 UTC