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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2024-Q4QoQ -3

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

Quarterly Headline

2024-Q4

Bank #412452 2024-Q4 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (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 Q3 2024:
↓ -3 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    ↑ +4
  • Capitalization
    — —
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -12

The five pillars

Liquidity

StrongQoQ 0
85
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 67.9%, cash 3.2% of assets.

Cash / Assets
3.24%
Loans / Deposits
67.87%
Brokered %
0.00%
No watch items at this period.

Securities

StrongQoQ +4
100
Sub-score

Securities profile is strong: securities 14.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
14.33%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.64%, CET1 16.64%, leverage 12.27%.

Tier 1 RBC
16.64%
CET1
16.64%
Leverage
12.27%
No watch items at this period.

Asset Quality

StableQoQ -6
69
Sub-score

Asset quality is stable: Adjusted NPL 1.22%, Texas Ratio 5.4%, NCO YTD 0.71%.

Adjusted NPL
1.22%
Govt-guarantees stripped
Texas Ratio
5.4%
NCO YTD
0.71%
30-89 PD
5.10%
Band 0.3% / 3.0%
90+ PD
0.33%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -12
23
Sub-score

Reserves are weak: ALLL 0.80% of loans, coverage 66.2%, true coverage 50.0%.

ALLL / Loans
0.80%
Coverage
66.2%
True Loss Coverage
50.0%
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