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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q4QoQ -12

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

Quarterly Headline

2025-Q4

Bank #116554 2025-Q4 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 3.48% of loans.
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 46.5% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 46.5% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2025:
↓ -12 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -22
  • Reserves
    ↓ -47

The five pillars

Liquidity

StrongQoQ +3
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 7.3%, cash 21.1% of assets.

Cash / Assets
21.11%
Loans / Deposits
7.32%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.63%
No watch items at this period.

Capitalization

StableQoQ -1
76
Sub-score

Capital position is stable: Tier 1 RBC 18.44%, CET1 18.44%, leverage 4.16%.

Tier 1 RBC
18.44%
CET1
18.44%
Leverage
4.16%

Watch Items

  • infoTier 1 Leverage below 5% — Tier 1 Leverage 4.16% (PCA threshold 5%).

Asset Quality

StableQoQ -22
63
Sub-score

Asset quality is stable: Adjusted NPL 2.70%, Texas Ratio 4.8%, NCO YTD 3.48%.

Adjusted NPL
2.70%
Govt-guarantees stripped
Texas Ratio
4.8%
NCO YTD
3.48%
30-89 PD
0.51%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.70% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 3.48% of loans.

Reserves

RiskQoQ -47
33
Sub-score

Reserves are weak: ALLL 1.24% of loans, coverage 46.5%, true coverage 46.5%.

ALLL / Loans
1.24%
Coverage
46.5%
True Loss Coverage
46.5%

Watch Items

  • infoALLL / NPL below 50% — Coverage 46.5% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 46.5% (Adjusted NPL + Performing Mods denominator).

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