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New Omni Bank National Association

IDRSSD: 300063
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2025-Q2QoQ -11

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

Quarterly Headline

2025-Q2

Bank #300063 2025-Q2 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.32% (govt-guarantees stripped).
  2. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.56%.

What changed this quarter

Compared to Q1 2025:
↓ -11 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -25
  • Reserves
    ↓ -31

The five pillars

Liquidity

StrongQoQ -2
88
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 93.9%, cash 25.7% of assets.

Cash / Assets
25.72%
Loans / Deposits
93.93%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 42.20%, CET1 28.74%, leverage 24.90%.

Tier 1 RBC
42.20%
CET1
28.74%
Leverage
24.90%
No watch items at this period.

Asset Quality

WatchQoQ -25
47
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.32%, Texas Ratio 8.5%, NCO YTD 0.00%.

Adjusted NPL
3.32%
Govt-guarantees stripped
Texas Ratio
8.5%
NCO YTD
0.00%
30-89 PD
6.58%
Band 0.3% / 3.0%
90+ PD
1.56%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.32% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.56%.

Reserves

WatchQoQ -31
44
Sub-score

Reserves are deteriorating: ALLL 1.67% of loans, coverage 51.1%, true coverage 51.1%.

ALLL / Loans
1.67%
Coverage
51.1%
True Loss Coverage
51.1%
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 01:29:14 UTC