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Community Bank Of Oklahoma

IDRSSD: 412452
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2024-Q1QoQ -10

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

Quarterly Headline

2024-Q1

Bank #412452 2024-Q1 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.14% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↓ -10 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    ↑ +6
  • Capitalization
    — —
  • Asset Quality
    ↓ -14
  • Reserves
    ↓ -50

The five pillars

Liquidity

StrongQoQ -1
83
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 55.0%, cash 2.1% of assets.

Cash / Assets
2.14%
Loans / Deposits
54.96%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.14% of assets (threshold 3%).

Securities

StrongQoQ +6
88
Sub-score

Securities profile is strong: securities 23.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
23.66%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.33%, CET1 16.33%, leverage 10.09%.

Tier 1 RBC
16.33%
CET1
16.33%
Leverage
10.09%
No watch items at this period.

Asset Quality

StableQoQ -14
69
Sub-score

Asset quality is stable: Adjusted NPL 1.34%, Texas Ratio 6.4%, NCO YTD 0.00%.

Adjusted NPL
1.34%
Govt-guarantees stripped
Texas Ratio
6.4%
NCO YTD
0.00%
30-89 PD
5.58%
Band 0.3% / 3.0%
90+ PD
0.86%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -50
27
Sub-score

Reserves are weak: ALLL 0.81% of loans, coverage 60.9%, true coverage 60.9%.

ALLL / Loans
0.81%
Coverage
60.9%
True Loss Coverage
60.9%
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: 2026-05-13 16:39:11 UTC