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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2024-Q4QoQ -7

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

Quarterly Headline

2024-Q4

Bank #876157 2024-Q4 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.78% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↓ -7 ptscomposite
  • Liquidity
    ↓ -10
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -12

The five pillars

Liquidity

StableQoQ -10
60
Sub-score

Liquidity is stable: brokered 15.9%, loans/deposits 91.6%, cash 1.8% of assets.

Cash / Assets
1.78%
Loans / Deposits
91.61%
Brokered %
15.92%

Watch Items

  • watchCash / Assets below 3% — Cash 1.78% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.26%
No watch items at this period.

Capitalization

StableQoQ -4
71
Sub-score

Capital position is stable: Tier 1 RBC 11.84%, CET1 11.84%, leverage 8.42%.

Tier 1 RBC
11.84%
CET1
11.84%
Leverage
8.42%
No watch items at this period.

Asset Quality

StableQoQ -8
68
Sub-score

Asset quality is stable: Adjusted NPL 1.56%, Texas Ratio 13.8%, NCO YTD 0.76%.

Adjusted NPL
1.56%
Govt-guarantees stripped
Texas Ratio
13.8%
NCO YTD
0.76%
30-89 PD
2.60%
Band 0.3% / 3.0%
90+ PD
0.33%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -12
32
Sub-score

Reserves are weak: ALLL 1.03% of loans, coverage 66.5%, true coverage 51.9%.

ALLL / Loans
1.03%
Coverage
66.5%
True Loss Coverage
51.9%
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: 2026-05-14 19:30:34 UTC