Visbanking Logo
Skip to main content

Odin State Bank

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2025-Q3QoQ -2

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

Quarterly Headline

2025-Q3

Bank #876157 2025-Q3 Vital Signs Score: 70/100 — 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. info
    Cash / Assets below 3%
    Liquidity — Cash 2.00% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↓ -2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ +1
64
Sub-score

Liquidity is stable: brokered 18.1%, loans/deposits 83.2%, cash 2.0% of assets.

Cash / Assets
2.00%
Loans / Deposits
83.16%
Brokered %
18.13%

Watch Items

  • infoCash / Assets below 3% — Cash 2.00% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StableQoQ -1
74
Sub-score

Capital position is stable: Tier 1 RBC 12.15%, CET1 12.15%, leverage 8.49%.

Tier 1 RBC
12.15%
CET1
12.15%
Leverage
8.49%
No watch items at this period.

Asset Quality

StableQoQ -8
72
Sub-score

Asset quality is stable: Adjusted NPL 1.52%, Texas Ratio 12.4%, NCO YTD 0.08%.

Adjusted NPL
1.52%
Govt-guarantees stripped
Texas Ratio
12.4%
NCO YTD
0.08%
30-89 PD
2.49%
Band 0.3% / 3.0%
90+ PD
0.73%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -2
39
Sub-score

Reserves are weak: ALLL 1.01% of loans, coverage 67.2%, true coverage 67.2%.

ALLL / Loans
1.01%
Coverage
67.2%
True Loss Coverage
67.2%
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