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Odin State Bank

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

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2024-Q1QoQ +5

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

Quarterly Headline

2024-Q1

Bank #876157 2024-Q1 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.39% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↑ +5 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↑ +17
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ 0

The five pillars

Liquidity

StableQoQ +4
65
Sub-score

Liquidity is stable: brokered 10.1%, loans/deposits 92.5%, cash 2.4% of assets.

Cash / Assets
2.39%
Loans / Deposits
92.51%
Brokered %
10.14%

Watch Items

  • infoCash / Assets below 3% — Cash 2.39% 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
4.73%
No watch items at this period.

Capitalization

StrongQoQ +17
81
Sub-score

Capital position is strong: Tier 1 RBC 12.33%, CET1 12.33%, leverage 8.54%.

Tier 1 RBC
12.33%
CET1
12.33%
Leverage
8.54%
No watch items at this period.

Asset Quality

StableQoQ -1
77
Sub-score

Asset quality is stable: Adjusted NPL 1.94%, Texas Ratio 16.3%, NCO YTD 0.02%.

Adjusted NPL
1.94%
Govt-guarantees stripped
Texas Ratio
16.3%
NCO YTD
0.02%
30-89 PD
1.44%
Band 0.3% / 3.0%
90+ PD
0.40%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ 0
50
Sub-score

Reserves are deteriorating: ALLL 1.38% of loans, coverage 72.2%, true coverage 63.1%.

ALLL / Loans
1.38%
Coverage
72.2%
True Loss Coverage
63.1%
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 19:30:34 UTC