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Nbc Oklahoma

IDRSSD: 39756
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 0

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 #39756 2024-Q3 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q2 2024:
↑ 0 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +2

The five pillars

Liquidity

StrongQoQ -1
81
Sub-score

Liquidity is strong: brokered 3.1%, loans/deposits 82.4%, cash 5.3% of assets.

Cash / Assets
5.33%
Loans / Deposits
82.40%
Brokered %
3.07%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.10%
No watch items at this period.

Capitalization

StableQoQ 0
72
Sub-score

Capital position is stable: Tier 1 RBC 11.65%, CET1 11.65%, leverage 9.26%.

Tier 1 RBC
11.65%
CET1
11.65%
Leverage
9.26%
No watch items at this period.

Asset Quality

StrongQoQ +1
89
Sub-score

Asset quality is strong: Adjusted NPL 1.66%, Texas Ratio 12.1%, NCO YTD 0.01%.

Adjusted NPL
1.66%
Govt-guarantees stripped
Texas Ratio
12.1%
NCO YTD
0.01%
30-89 PD
0.03%
Band 0.3% / 3.0%
90+ PD
0.22%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +2
43
Sub-score

Reserves are deteriorating: ALLL 1.16% of loans, coverage 71.0%, true coverage 64.7%.

ALLL / Loans
1.16%
Coverage
71.0%
True Loss Coverage
64.7%
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: 2026-05-15 03:51:20 UTC