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Oakwood Bank

IDRSSD: 37051
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
79
/ 100
StableAs of 2024-Q3QoQ -2

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 #37051 2024-Q3 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 108.6% (threshold 100%).

What changed this quarter

Compared to Q2 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ +1
75
Sub-score

Liquidity is stable: brokered 3.1%, loans/deposits 108.6%, cash 8.4% of assets.

Cash / Assets
8.42%
Loans / Deposits
108.62%
Brokered %
3.09%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 108.6% (threshold 100%).

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

WatchQoQ -5
55
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.50%, CET1 10.50%, leverage 8.36%.

Tier 1 RBC
10.50%
CET1
10.50%
Leverage
8.36%
No watch items at this period.

Asset Quality

StrongQoQ -3
96
Sub-score

Asset quality is strong: Adjusted NPL 0.48%, Texas Ratio 4.4%, NCO YTD 0.01%.

Adjusted NPL
0.48%
Govt-guarantees stripped
Texas Ratio
4.4%
NCO YTD
0.01%
30-89 PD
0.42%
Band 0.3% / 3.0%
90+ PD
0.47%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -2
78
Sub-score

Reserves are stable: ALLL 0.90% of loans, coverage 189.5%, true coverage 189.5%.

ALLL / Loans
0.90%
Coverage
189.5%
True Loss Coverage
189.5%
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: 2026-05-14 14:36:04 UTC