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Old Glory Bank

IDRSSD: 116554
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2024-Q1QoQ -2

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

Quarterly Headline

2024-Q1

Bank #116554 2024-Q1 Vital Signs Score: 69/100 — 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 5.3% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 5.3% (Adjusted NPL + Performing Mods denominator).
  3. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 4.72%.

What changed this quarter

Compared to Q4 2023:
↓ -2 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ -7
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +4
90
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 9.5%, cash 77.3% of assets.

Cash / Assets
77.33%
Loans / Deposits
9.53%
Brokered %
0.00%

Watch Items

  • infoUninsured deposits above 50% — Uninsured 54.9% of deposits (threshold 50%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.16%
No watch items at this period.

Capitalization

StrongQoQ -5
95
Sub-score

Capital position is strong: Tier 1 RBC 75.02%, CET1 75.02%, leverage 9.14%.

Tier 1 RBC
75.02%
CET1
75.02%
Leverage
9.14%
No watch items at this period.

Asset Quality

WatchQoQ -7
50
Sub-score

Asset quality is deteriorating: Adjusted NPL 5.58%, Texas Ratio 5.9%, NCO YTD 0.00%.

Adjusted NPL
5.58%
Govt-guarantees stripped
Texas Ratio
5.9%
NCO YTD
0.00%
30-89 PD
0.02%
Band 0.3% / 3.0%
90+ PD
4.72%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.58% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 4.72%.

Reserves

Risk
0
Sub-score

Reserves are weak: ALLL 0.30% of loans, coverage 5.3%, true coverage 5.3%.

ALLL / Loans
0.30%
Coverage
5.3%
True Loss Coverage
5.3%

Watch Items

  • riskALLL / NPL below 50% — Coverage 5.3% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 5.3% (Adjusted NPL + Performing Mods denominator).
  • riskALLL / Loans below 0.75% — ALLL 0.30% 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