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Old Glory Bank

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2025-Q3QoQ -5

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

Quarterly Headline

2025-Q3

Bank #116554 2025-Q3 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.72% of loans.
  2. info
    Tier 1 Leverage below 5%
    Capitalization — Tier 1 Leverage 4.43% (PCA threshold 5%).

What changed this quarter

Compared to Q2 2025:
↓ -5 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -14
  • Reserves
    ↓ -9

The five pillars

Liquidity

StrongQoQ -1
97
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 8.2%, cash 23.7% of assets.

Cash / Assets
23.69%
Loans / Deposits
8.20%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.77%
No watch items at this period.

Capitalization

StableQoQ -1
77
Sub-score

Capital position is stable: Tier 1 RBC 16.85%, CET1 16.85%, leverage 4.43%.

Tier 1 RBC
16.85%
CET1
16.85%
Leverage
4.43%

Watch Items

  • infoTier 1 Leverage below 5% — Tier 1 Leverage 4.43% (PCA threshold 5%).

Asset Quality

StrongQoQ -14
86
Sub-score

Asset quality is strong: Adjusted NPL 0.13%, Texas Ratio 0.2%, NCO YTD 1.72%.

Adjusted NPL
0.13%
Govt-guarantees stripped
Texas Ratio
0.2%
NCO YTD
1.72%
30-89 PD
0.07%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.72% of loans.

Reserves

StableQoQ -9
80
Sub-score

Reserves are stable: ALLL 0.89% of loans, coverage 695.8%, true coverage 695.8%.

ALLL / Loans
0.89%
Coverage
695.8%
True Loss Coverage
695.8%
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