Visbanking Logo
Skip to main content

Oklahoma Bank And Trust Company

IDRSSD: 159953
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
82
/ 100
StrongAs 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 #159953 2026-Q1 Vital Signs Score: 82/100 — 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

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

What changed this quarter

Compared to Q4 2025:
↓ -5 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    ↓ -14
  • Capitalization
    — —
  • Asset Quality
    ↓ -8
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -7
93
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 41.6%, cash 7.0% of assets.

Cash / Assets
7.04%
Loans / Deposits
41.59%
Brokered %
0.00%
No watch items at this period.

Securities

RiskQoQ -14
15
Sub-score

Securities profile is weak: securities 45.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
45.35%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 39.10%, CET1 39.10%, leverage 14.45%.

Tier 1 RBC
39.10%
CET1
39.10%
Leverage
14.45%
No watch items at this period.

Asset Quality

StrongQoQ -8
85
Sub-score

Asset quality is strong: Adjusted NPL 0.24%, Texas Ratio 0.6%, NCO YTD -0.14%.

Adjusted NPL
0.24%
Govt-guarantees stripped
Texas Ratio
0.6%
NCO YTD
-0.14%
30-89 PD
2.62%
Band 0.3% / 3.0%
90+ PD
0.23%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.36% of loans, coverage 1010.9%, true coverage 1010.9%.

ALLL / Loans
2.36%
Coverage
1010.9%
True Loss Coverage
1010.9%
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: 2026-05-13 16:22:38 UTC