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Odin State Bank

IDRSSD: 876157
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2023-Q4QoQ -5

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

Quarterly Headline

2023-Q4

Bank #876157 2023-Q4 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.04% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↓ -5 ptscomposite
  • Liquidity
    ↓ -9
  • Securities
    — —
  • Capitalization
    ↓ -8
  • Asset Quality
    ↑ +10
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -9
61
Sub-score

Liquidity is stable: brokered 11.3%, loans/deposits 97.0%, cash 2.0% of assets.

Cash / Assets
2.04%
Loans / Deposits
97.02%
Brokered %
11.29%

Watch Items

  • infoCash / Assets below 3% — Cash 2.04% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.66%
No watch items at this period.

Capitalization

StableQoQ -8
64
Sub-score

Capital position is stable: Tier 1 RBC 11.00%, CET1 11.00%, leverage 7.81%.

Tier 1 RBC
11.00%
CET1
11.00%
Leverage
7.81%
No watch items at this period.

Asset Quality

StableQoQ +10
78
Sub-score

Asset quality is stable: Adjusted NPL 1.87%, Texas Ratio 16.9%, NCO YTD 0.11%.

Adjusted NPL
1.87%
Govt-guarantees stripped
Texas Ratio
16.9%
NCO YTD
0.11%
30-89 PD
1.49%
Band 0.3% / 3.0%
90+ PD
0.28%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Watch
50
Sub-score

Reserves are deteriorating: ALLL 1.36% of loans, coverage 73.9%, true coverage 63.7%.

ALLL / Loans
1.36%
Coverage
73.9%
True Loss Coverage
63.7%
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 19:30:34 UTC