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Community Bank Owatonna

IDRSSD: 3139321
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
78
/ 100
StableAs of 2024-Q3QoQ -6

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 #3139321 2024-Q3 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.08% of loans.
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.71% of loans.

What changed this quarter

Compared to Q2 2024:
↓ -6 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -9
  • Asset Quality
    ↓ -14
  • Reserves
    ↑ 0

The five pillars

Liquidity

StrongQoQ 0
82
Sub-score

Liquidity is strong: brokered 2.3%, loans/deposits 73.5%, cash 3.4% of assets.

Cash / Assets
3.44%
Loans / Deposits
73.49%
Brokered %
2.30%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.26%
No watch items at this period.

Capitalization

WatchQoQ -9
59
Sub-score

Capital position is deteriorating: Tier 1 RBC 11.05%, CET1 11.05%, leverage 8.13%.

Tier 1 RBC
11.05%
CET1
11.05%
Leverage
8.13%
No watch items at this period.

Asset Quality

StrongQoQ -14
83
Sub-score

Asset quality is strong: Adjusted NPL 0.21%, Texas Ratio 1.7%, NCO YTD 2.08%.

Adjusted NPL
0.21%
Govt-guarantees stripped
Texas Ratio
1.7%
NCO YTD
2.08%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 2.08% of loans.

Reserves

StableQoQ 0
74
Sub-score

Reserves are stable: ALLL 0.71% of loans, coverage 340.2%, true coverage 340.2%.

ALLL / Loans
0.71%
Coverage
340.2%
True Loss Coverage
340.2%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.71% of loans.

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 03:44:29 UTC