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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2024-Q4QoQ -14

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

Quarterly Headline

2024-Q4

Bank #116554 2024-Q4 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q3 2024:
↓ -14 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ -25
  • Reserves
    ↓ -43

The five pillars

Liquidity

StrongQoQ +2
97
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 2.6%, cash 73.1% of assets.

Cash / Assets
73.08%
Loans / Deposits
2.59%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.11%
No watch items at this period.

Capitalization

StrongQoQ -5
82
Sub-score

Capital position is strong: Tier 1 RBC 61.03%, CET1 61.03%, leverage 5.80%.

Tier 1 RBC
61.03%
CET1
61.03%
Leverage
5.80%
No watch items at this period.

Asset Quality

StableQoQ -25
75
Sub-score

Asset quality is stable: Adjusted NPL 1.81%, Texas Ratio 0.8%, NCO YTD 0.00%.

Adjusted NPL
1.81%
Govt-guarantees stripped
Texas Ratio
0.8%
NCO YTD
0.00%
30-89 PD
2.54%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -43
25
Sub-score

Reserves are weak: ALLL 0.93% of loans, coverage 51.9%, true coverage 51.9%.

ALLL / Loans
0.93%
Coverage
51.9%
True Loss Coverage
51.9%
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 04:16:49 UTC