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Oklahoma Bank And Trust Company

IDRSSD: 159953
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
81
/ 100
StrongAs of 2025-Q3QoQ -1

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 #159953 2025-Q3 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.70% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    ↓ -4
  • Capitalization
    — —
  • Asset Quality
    ↑ +7
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -8
84
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 45.2%, cash 2.7% of assets.

Cash / Assets
2.70%
Loans / Deposits
45.23%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.70% of assets (threshold 3%).

Securities

RiskQoQ -4
16
Sub-score

Securities profile is weak: securities 45.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
45.18%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 38.97%, CET1 38.97%, leverage 14.56%.

Tier 1 RBC
38.97%
CET1
38.97%
Leverage
14.56%
No watch items at this period.

Asset Quality

StrongQoQ +7
88
Sub-score

Asset quality is strong: Adjusted NPL 0.74%, Texas Ratio 1.8%, NCO YTD -0.10%.

Adjusted NPL
0.74%
Govt-guarantees stripped
Texas Ratio
1.8%
NCO YTD
-0.10%
30-89 PD
1.76%
Band 0.3% / 3.0%
90+ PD
0.12%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.49% of loans, coverage 343.4%, true coverage 343.4%.

ALLL / Loans
2.49%
Coverage
343.4%
True Loss Coverage
343.4%
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: 2026-05-13 16:22:38 UTC