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Omb Bank

IDRSSD: 2785646
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
80
/ 100
StableAs of 2025-Q3QoQ +1

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 #2785646 2025-Q3 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 102.0% (threshold 100%).

What changed this quarter

Compared to Q2 2025:
↑ +1 ptscomposite
  • Liquidity
    ↓ -6
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +6
  • Reserves
    ↑ +3

The five pillars

Liquidity

StableQoQ -6
70
Sub-score

Liquidity is stable: brokered 10.5%, loans/deposits 102.0%, cash 6.8% of assets.

Cash / Assets
6.80%
Loans / Deposits
102.01%
Brokered %
10.50%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 102.0% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.05%
No watch items at this period.

Capitalization

WatchQoQ +2
50
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.76%, CET1 9.76%, leverage 8.80%.

Tier 1 RBC
9.76%
CET1
9.76%
Leverage
8.80%
No watch items at this period.

Asset Quality

StrongQoQ +6
96
Sub-score

Asset quality is strong: Adjusted NPL 0.87%, Texas Ratio 7.6%, NCO YTD 0.07%.

Adjusted NPL
0.87%
Govt-guarantees stripped
Texas Ratio
7.6%
NCO YTD
0.07%
30-89 PD
0.29%
Band 0.3% / 3.0%
90+ PD
0.20%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +3
96
Sub-score

Reserves are strong: ALLL 1.55% of loans, coverage 181.4%, true coverage 181.4%.

ALLL / Loans
1.55%
Coverage
181.4%
True Loss Coverage
181.4%
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: 2026-05-14 15:09:41 UTC