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New Omni Bank National Association

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2025-Q3QoQ -5

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

Quarterly Headline

2025-Q3

Bank #300063 2025-Q3 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 3.29%.
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 35.1% (regulatory soft-warning level 50%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 35.1% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q2 2025:
↓ -5 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -13
  • Reserves
    ↓ -8

The five pillars

Liquidity

StrongQoQ -1
87
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 95.6%, cash 24.0% of assets.

Cash / Assets
23.98%
Loans / Deposits
95.65%
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 39.23%, CET1 26.85%, leverage 25.36%.

Tier 1 RBC
39.23%
CET1
26.85%
Leverage
25.36%
No watch items at this period.

Asset Quality

RiskQoQ -13
34
Sub-score

Asset quality is weak: Adjusted NPL 4.79%, Texas Ratio 12.9%, NCO YTD 0.00%.

Adjusted NPL
4.79%
Govt-guarantees stripped
Texas Ratio
12.9%
NCO YTD
0.00%
30-89 PD
5.14%
Band 0.3% / 3.0%
90+ PD
3.29%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.79% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 3.29%.

Reserves

RiskQoQ -8
36
Sub-score

Reserves are weak: ALLL 1.65% of loans, coverage 35.1%, true coverage 35.1%.

ALLL / Loans
1.65%
Coverage
35.1%
True Loss Coverage
35.1%

Watch Items

  • watchALLL / NPL below 50% — Coverage 35.1% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 35.1% (Adjusted NPL + Performing Mods denominator).

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