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Oconee State Bank

IDRSSD: 573036
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
85
/ 100
StrongAs of 2025-Q2QoQ -3

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 #573036 2025-Q2 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q1 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -10
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↑ 0
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ -10
80
Sub-score

Liquidity is strong: brokered 1.7%, loans/deposits 78.5%, cash 3.5% of assets.

Cash / Assets
3.51%
Loans / Deposits
78.45%
Brokered %
1.74%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.75%
No watch items at this period.

Capitalization

StableQoQ -5
78
Sub-score

Capital position is stable: Tier 1 RBC 12.15%, CET1 12.15%, leverage 9.22%.

Tier 1 RBC
12.15%
CET1
12.15%
Leverage
9.22%
No watch items at this period.

Asset Quality

StrongQoQ 0
94
Sub-score

Asset quality is strong: Adjusted NPL 1.16%, Texas Ratio 7.9%, NCO YTD 0.12%.

Adjusted NPL
1.16%
Govt-guarantees stripped
Texas Ratio
7.9%
NCO YTD
0.12%
30-89 PD
0.36%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +1
75
Sub-score

Reserves are stable: ALLL 1.32% of loans, coverage 114.9%, true coverage 114.9%.

ALLL / Loans
1.32%
Coverage
114.9%
True Loss Coverage
114.9%
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: 2026-05-12 20:08:06 UTC