Visbanking Logo
Skip to main content

Bank Of Odessa

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2025-Q3QoQ -7

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

Quarterly Headline

2025-Q3

Bank #819453 2025-Q3 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 1.75%.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.49% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↓ -7 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -13
  • Reserves
    ↓ -23

The five pillars

Liquidity

StrongQoQ +1
94
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 82.8%, cash 13.6% of assets.

Cash / Assets
13.56%
Loans / Deposits
82.82%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 13.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
13.24%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 24.26%, CET1 24.26%, leverage 14.00%.

Tier 1 RBC
24.26%
CET1
24.26%
Leverage
14.00%
No watch items at this period.

Asset Quality

WatchQoQ -13
52
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.49%, Texas Ratio 11.7%, NCO YTD 0.04%.

Adjusted NPL
2.49%
Govt-guarantees stripped
Texas Ratio
11.7%
NCO YTD
0.04%
30-89 PD
3.89%
Band 0.3% / 3.0%
90+ PD
1.75%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.49% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.75%.

Reserves

WatchQoQ -23
44
Sub-score

Reserves are deteriorating: ALLL 1.40% of loans, coverage 57.1%, true coverage 56.4%.

ALLL / Loans
1.40%
Coverage
57.1%
True Loss Coverage
56.4%
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