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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-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2024-Q2QoQ -2

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

Quarterly Headline

2024-Q2

Bank #412452 2024-Q2 Vital Signs Score: 74/100 — 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. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 37.7% (Adjusted NPL + Performing Mods denominator).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 46.2% (regulatory soft-warning level 50%).
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.68% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    ↓ -2
  • Capitalization
    — —
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -14

The five pillars

Liquidity

StrongQoQ +1
84
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 57.6%, cash 2.7% of assets.

Cash / Assets
2.68%
Loans / Deposits
57.59%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.68% of assets (threshold 3%).

Securities

StrongQoQ -2
86
Sub-score

Securities profile is strong: securities 24.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
24.33%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.77%, CET1 16.77%, leverage 10.59%.

Tier 1 RBC
16.77%
CET1
16.77%
Leverage
10.59%
No watch items at this period.

Asset Quality

StableQoQ -1
69
Sub-score

Asset quality is stable: Adjusted NPL 1.75%, Texas Ratio 8.2%, NCO YTD 0.00%.

Adjusted NPL
1.75%
Govt-guarantees stripped
Texas Ratio
8.2%
NCO YTD
0.00%
30-89 PD
4.22%
Band 0.3% / 3.0%
90+ PD
0.55%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -14
14
Sub-score

Reserves are weak: ALLL 0.80% of loans, coverage 46.2%, true coverage 37.7%.

ALLL / Loans
0.80%
Coverage
46.2%
True Loss Coverage
37.7%

Watch Items

  • infoALLL / NPL below 50% — Coverage 46.2% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 37.7% (Adjusted NPL + Performing Mods denominator).

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