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Oakwood Bank

IDRSSD: 37051
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q4QoQ +2

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

Quarterly Headline

2025-Q4

Bank #37051 2025-Q4 Vital Signs Score: 75/100 — 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 107.8% (threshold 100%).

What changed this quarter

Compared to Q3 2025:
↑ +2 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +4

The five pillars

Liquidity

StableQoQ +5
72
Sub-score

Liquidity is stable: brokered 6.9%, loans/deposits 107.8%, cash 8.2% of assets.

Cash / Assets
8.17%
Loans / Deposits
107.80%
Brokered %
6.92%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 107.8% (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 +1
47
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.80%, CET1 9.80%, leverage 8.07%.

Tier 1 RBC
9.80%
CET1
9.80%
Leverage
8.07%
No watch items at this period.

Asset Quality

StrongQoQ +2
96
Sub-score

Asset quality is strong: Adjusted NPL 0.87%, Texas Ratio 8.3%, NCO YTD 0.00%.

Adjusted NPL
0.87%
Govt-guarantees stripped
Texas Ratio
8.3%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.11%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +4
67
Sub-score

Reserves are stable: ALLL 1.04% of loans, coverage 120.1%, true coverage 120.1%.

ALLL / Loans
1.04%
Coverage
120.1%
True Loss Coverage
120.1%
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: 2026-05-14 14:36:04 UTC