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Bank Of Ofallon

IDRSSD: 410748
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
94
/ 100
StrongAs of 2024-Q3QoQ -3

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

Quarterly Headline

2024-Q3

Bank #410748 2024-Q3 Vital Signs Score: 94/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (strong).

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

Top 3 Watch Items

  1. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.06% of loans.

What changed this quarter

Compared to Q2 2024:
↓ -3 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -13
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ 0
90
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 89.8%, cash 13.8% of assets.

Cash / Assets
13.76%
Loans / Deposits
89.81%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.98%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 21.45%, CET1 21.45%, leverage 13.46%.

Tier 1 RBC
21.45%
CET1
21.45%
Leverage
13.46%
No watch items at this period.

Asset Quality

StrongQoQ -13
84
Sub-score

Asset quality is strong: Adjusted NPL 0.67%, Texas Ratio 3.6%, NCO YTD 1.06%.

Adjusted NPL
0.67%
Govt-guarantees stripped
Texas Ratio
3.6%
NCO YTD
1.06%
30-89 PD
0.90%
Band 0.3% / 3.0%
90+ PD
0.31%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.06% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 1.63% of loans, coverage 245.6%, true coverage 245.6%.

ALLL / Loans
1.63%
Coverage
245.6%
True Loss Coverage
245.6%
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: 2026-05-14 03:57:12 UTC