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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2024-Q3QoQ +3

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 #876157 2024-Q3 Vital Signs Score: 73/100 — 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

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

What changed this quarter

Compared to Q2 2024:
↑ +3 ptscomposite
  • Liquidity
    ↑ +10
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ +7
  • Reserves
    ↓ -7

The five pillars

Liquidity

StableQoQ +10
70
Sub-score

Liquidity is stable: brokered 13.9%, loans/deposits 88.3%, cash 4.8% of assets.

Cash / Assets
4.81%
Loans / Deposits
88.33%
Brokered %
13.88%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.27%
No watch items at this period.

Capitalization

StableQoQ +3
75
Sub-score

Capital position is stable: Tier 1 RBC 12.18%, CET1 12.18%, leverage 8.37%.

Tier 1 RBC
12.18%
CET1
12.18%
Leverage
8.37%
No watch items at this period.

Asset Quality

StableQoQ +7
76
Sub-score

Asset quality is stable: Adjusted NPL 1.88%, Texas Ratio 16.0%, NCO YTD 0.09%.

Adjusted NPL
1.88%
Govt-guarantees stripped
Texas Ratio
16.0%
NCO YTD
0.09%
30-89 PD
1.37%
Band 0.3% / 3.0%
90+ PD
0.60%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -7
44
Sub-score

Reserves are deteriorating: ALLL 1.30% of loans, coverage 70.2%, true coverage 56.3%.

ALLL / Loans
1.30%
Coverage
70.2%
True Loss Coverage
56.3%
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