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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-Q3

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

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2024-Q3QoQ +7

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 #412452 2024-Q3 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q2 2024:
↑ +7 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    ↑ +11
  • Capitalization
    — —
  • Asset Quality
    ↑ +7
  • Reserves
    ↑ +22

The five pillars

Liquidity

StrongQoQ +1
85
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 60.6%, cash 3.1% of assets.

Cash / Assets
3.07%
Loans / Deposits
60.57%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ +11
96
Sub-score

Securities profile is strong: securities 21.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
21.18%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.33%, CET1 16.33%, leverage 11.13%.

Tier 1 RBC
16.33%
CET1
16.33%
Leverage
11.13%
No watch items at this period.

Asset Quality

StableQoQ +7
76
Sub-score

Asset quality is stable: Adjusted NPL 1.11%, Texas Ratio 5.0%, NCO YTD 0.00%.

Adjusted NPL
1.11%
Govt-guarantees stripped
Texas Ratio
5.0%
NCO YTD
0.00%
30-89 PD
5.60%
Band 0.3% / 3.0%
90+ PD
0.35%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +22
35
Sub-score

Reserves are weak: ALLL 0.80% of loans, coverage 72.5%, true coverage 72.5%.

ALLL / Loans
0.80%
Coverage
72.5%
True Loss Coverage
72.5%
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