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Bank Ozk

IDRSSD: 107244
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2025-Q4QoQ -5

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

Quarterly Headline

2025-Q4

Bank #107244 2025-Q4 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.21% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -5 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -12
  • Reserves
    ↓ -14

The five pillars

Liquidity

StableQoQ -1
76
Sub-score

Liquidity is stable: brokered 7.5%, loans/deposits 95.4%, cash 6.9% of assets.

Cash / Assets
6.95%
Loans / Deposits
95.38%
Brokered %
7.51%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ +2
86
Sub-score

Capital position is strong: Tier 1 RBC 12.50%, CET1 11.72%, leverage 13.41%.

Tier 1 RBC
12.50%
CET1
11.72%
Leverage
13.41%
No watch items at this period.

Asset Quality

StrongQoQ -12
85
Sub-score

Asset quality is strong: Adjusted NPL 1.07%, Texas Ratio 5.7%, NCO YTD 1.21%.

Adjusted NPL
1.07%
Govt-guarantees stripped
Texas Ratio
5.7%
NCO YTD
1.21%
30-89 PD
0.13%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.21% of loans.

Reserves

StrongQoQ -14
86
Sub-score

Reserves are strong: ALLL 1.47% of loans, coverage 139.4%, true coverage 127.3%.

ALLL / Loans
1.47%
Coverage
139.4%
True Loss Coverage
127.3%
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 08:57:19 UTC