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Oklahoma Heritage Bank

IDRSSD: 709956
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2023-Q4QoQ -22

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

Quarterly Headline

2023-Q4

Bank #709956 2023-Q4 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 3.91% of loans.
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.55% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2023:
↓ -22 ptscomposite
  • Liquidity
    ↓ -11
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -42
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -11
70
Sub-score

Liquidity is stable: brokered 4.6%, loans/deposits 91.7%, cash 2.6% of assets.

Cash / Assets
2.55%
Loans / Deposits
91.74%
Brokered %
4.58%

Watch Items

  • infoCash / Assets below 3% — Cash 2.55% 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 -3
75
Sub-score

Capital position is stable: Tier 1 RBC 11.65%, CET1 11.65%, leverage 8.76%.

Tier 1 RBC
11.65%
CET1
11.65%
Leverage
8.76%
No watch items at this period.

Asset Quality

WatchQoQ -42
58
Sub-score

Asset quality is deteriorating: Adjusted NPL 1.66%, Texas Ratio 13.0%, NCO YTD 3.91%.

Adjusted NPL
1.66%
Govt-guarantees stripped
Texas Ratio
13.0%
NCO YTD
3.91%
30-89 PD
1.82%
Band 0.3% / 3.0%
90+ PD
0.74%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 3.91% of loans.

Reserves

Risk
32
Sub-score

Reserves are weak: ALLL 0.98% of loans, coverage 59.7%, true coverage 59.7%.

ALLL / Loans
0.98%
Coverage
59.7%
True Loss Coverage
59.7%
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: 2026-05-15 08:08:14 UTC