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Optimumbank

IDRSSD: 2953418
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 4 alerts active.

Summary

RSSD 2953418 held $1.3B in total assets as of 2026-03-31 (+14.1% quarter-over-quarter). Total loans stood at $1.1B (+13.9% QoQ) and total deposits at $1.1B (+17.2% QoQ).

Overall position is adequate — the composite Health Score is 49/100 (Adequate). Tier 1 capital data is unavailable for this period. Asset quality (NPL ratio) sits in the above median of peers.

4 Quarterly Anomaly Alerts fired this quarter, including 2 critical-severity rows. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
49/100
Adequate
Active Alerts
4
2 critical, 2 warning
Total Assets
$1.3B
+14.1% QoQ
Total Loans
$1.1B
+13.9% QoQ
Total Deposits
$1.1B
+17.2% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
—
data pending↑ better
CET1 / RWA
0.00%
16th pctile · n=500↑ better
Total RBC / RWA
—
data pending↑ better
Tier 1 Leverage Ratio
0.00%
16th pctile · n=500↑ better

Liquidity

Cash / Assets
0.00%
1th pctile · n=500↑ better
-878 bp QoQ
Loans / Deposits
98.57%
86th pctile · n=497↓ better
-292 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.20%
31th pctile · n=500↓ better
-10 bp QoQ
NPA / Assets
0.17%
33th pctile · n=500↓ better
-14 bp QoQ
Texas Ratio (regulatory)
1.53%
33th pctile · n=500↓ better
-102 bp QoQ
Net Charge-Offs / Avg Loans
0.00%
33th pctile · n=500↓ better
-6 bp QoQ
ALLL Coverage of NPL
512.08%
74th pctile · n=500↑ better
+15809 bp QoQ

Earnings

Net Interest Margin
4.56%
87th pctile · n=500↑ better
+12 bp QoQ
Return on Assets
1.70%
78th pctile · n=500↑ better
-12 bp QoQ
Return on Equity
16.45%
78th pctile · n=500↑ better
-39 bp QoQ
Efficiency Ratio
49.83%
19th pctile · n=500↓ better
+184 bp QoQ
Pre-tax NOI / Avg Assets
2.27%
88th pctile · n=500↑ better
-15 bp QoQ

Funding

Brokered / Deposits
11.88%
84th pctile · n=497↓ better
+331 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
3.50%
66th pctile · n=500↓ better
-155 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
2.39%
7th pctile · n=500↑ better
-17 bp QoQ
AFS Securities / Assets
2.13%
10th pctile · n=500↑ better
-13 bp QoQ
HTM Securities / Assets
0.26%
69th pctile · n=500↑ better
-4 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-13 13:59:44 UTC