Liquidity
StableQoQ -4
72
Sub-score
Liquidity is stable: brokered 6.8%, loans/deposits 94.5%, cash 4.9% of assets.
- Cash / Assets
- 4.89%
- Loans / Deposits
- 94.55%
- Brokered %
- 6.79%
No watch items at this period.
Bank Of Western Oklahoma
IDRSSD: 175056
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
72
/ 100
StableAs of 2025-Q3QoQ +10
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 #175056 2025-Q3 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).
Liquidity:Stable
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Watch
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q2 2025:
↑ +10 ptscomposite
- Liquidity↓ -4
- Securities— —
- Capitalization↑ 0
- Asset Quality↑ +25
- Reserves↑ +29
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 0.0% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 0.00%
SVB watch metric
No watch items at this period.
Capitalization
WatchQoQ 0
45
Sub-score
Capital position is deteriorating: Tier 1 RBC 9.71%, CET1 9.71%, leverage 8.03%.
- Tier 1 RBC
- 9.71%
- CET1
- 9.71%
- Leverage
- 8.03%
No watch items at this period.
Asset Quality
StrongQoQ +25
95
Sub-score
Asset quality is strong: Adjusted NPL 0.89%, Texas Ratio 8.8%, NCO YTD 0.10%.
- Adjusted NPL
- 0.89%
- Texas Ratio
- 8.8%
- NCO YTD
- 0.10%
- 30-89 PD
- 0.51%
- 90+ PD
- 0.01%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
WatchQoQ +29
50
Sub-score
Reserves are deteriorating: ALLL 0.81% of loans, coverage 92.6%, true coverage 92.6%.
- ALLL / Loans
- 0.81%
- Coverage
- 92.6%
- True Loss Coverage
- 92.6%
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.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: 2026-05-13 16:23:51 UTC