Liquidity
StrongQoQ 0
93
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 84.2%, cash 13.0% of assets.
- Cash / Assets
- 12.99%
- Loans / Deposits
- 84.17%
- Brokered %
- 0.00%
No watch items at this period.
Bank Of Odessa
IDRSSD: 819453
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2025-Q2
Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
85
/ 100
StrongAs of 2025-Q2QoQ +6
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2025-Q2
Bank #819453 2025-Q2 Vital Signs Score: 85/100 — 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
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q1 2025:
↑ +6 ptscomposite
- Liquidity↑ 0
- Securities— —
- Capitalization— —
- Asset Quality↑ +13
- Reserves↑ +20
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 14.0% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 13.99%
SVB watch metric
No watch items at this period.
Capitalization
Strong
100
Sub-score
Capital position is strong: Tier 1 RBC 23.40%, CET1 23.40%, leverage 13.29%.
- Tier 1 RBC
- 23.40%
- CET1
- 23.40%
- Leverage
- 13.29%
No watch items at this period.
Asset Quality
StableQoQ +13
65
Sub-score
Asset quality is stable: Adjusted NPL 1.54%, Texas Ratio 7.5%, NCO YTD 0.31%.
- Adjusted NPL
- 1.54%
- Texas Ratio
- 7.5%
- NCO YTD
- 0.31%
- 30-89 PD
- 3.03%
- 90+ PD
- 0.95%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StableQoQ +20
67
Sub-score
Reserves are stable: ALLL 1.39% of loans, coverage 91.7%, true coverage 88.5%.
- ALLL / Loans
- 1.39%
- Coverage
- 91.7%
- True Loss Coverage
- 88.5%
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.tsfor 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