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Odin State Bank

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
64
/ 100
StableAs of 2026-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

2026-Q1

Bank #876157 2026-Q1 Vital Signs Score: 64/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 5.39% of loans.
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.13% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↓ -5 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -11
  • Asset Quality
    ↓ -16
  • Reserves
    ↑ +12

The five pillars

Liquidity

StableQoQ -1
60
Sub-score

Liquidity is stable: brokered 18.4%, loans/deposits 85.8%, cash 1.1% of assets.

Cash / Assets
1.13%
Loans / Deposits
85.76%
Brokered %
18.38%

Watch Items

  • watchCash / Assets below 3% — Cash 1.13% 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 -11
61
Sub-score

Capital position is stable: Tier 1 RBC 11.18%, CET1 11.18%, leverage 7.89%.

Tier 1 RBC
11.18%
CET1
11.18%
Leverage
7.89%
No watch items at this period.

Asset Quality

WatchQoQ -16
57
Sub-score

Asset quality is deteriorating: Adjusted NPL 1.16%, Texas Ratio 10.2%, NCO YTD 5.39%.

Adjusted NPL
1.16%
Govt-guarantees stripped
Texas Ratio
10.2%
NCO YTD
5.39%
30-89 PD
2.51%
Band 0.3% / 3.0%
90+ PD
0.82%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 5.39% of loans.

Reserves

WatchQoQ +12
51
Sub-score

Reserves are deteriorating: ALLL 1.00% of loans, coverage 86.3%, true coverage 86.3%.

ALLL / Loans
1.00%
Coverage
86.3%
True Loss Coverage
86.3%
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