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Old Glory Bank

IDRSSD: 116554
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
71
/ 100
StableAs of 2023-Q4QoQ -24

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 #116554 2023-Q4 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 14.1% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 14.1% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Uninsured deposits above 50%
    Liquidity — Uninsured 63.7% of deposits (threshold 50%).

What changed this quarter

Compared to Q3 2023:
↓ -24 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -43
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +6
87
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 5.6%, cash 73.0% of assets.

Cash / Assets
73.05%
Loans / Deposits
5.57%
Brokered %
0.00%

Watch Items

  • watchUninsured deposits above 50% — Uninsured 63.7% of deposits (threshold 50%).

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

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 92.95%, CET1 92.95%, leverage 10.75%.

Tier 1 RBC
92.95%
CET1
92.95%
Leverage
10.75%
No watch items at this period.

Asset Quality

WatchQoQ -43
57
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.54%, Texas Ratio 1.7%, NCO YTD 0.00%.

Adjusted NPL
3.54%
Govt-guarantees stripped
Texas Ratio
1.7%
NCO YTD
0.00%
30-89 PD
0.98%
Band 0.3% / 3.0%
90+ PD
1.64%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.54% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.64%.

Reserves

Risk
0
Sub-score

Reserves are weak: ALLL 0.50% of loans, coverage 14.1%, true coverage 14.1%.

ALLL / Loans
0.50%
Coverage
14.1%
True Loss Coverage
14.1%

Watch Items

  • riskALLL / NPL below 50% — Coverage 14.1% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 14.1% (Adjusted NPL + Performing Mods denominator).
  • watchALLL / Loans below 0.75% — ALLL 0.50% of loans.

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 04:16:49 UTC