Visbanking Logo
Skip to main content

Optus Bank

IDRSSD: 2794732
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2023-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

2023-Q4

Bank #2794732 2023-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.49% of loans.
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 40.5% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 40.5% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2023:
↓ -14 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -6
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +5
80
Sub-score

Liquidity is strong: brokered 33.6%, loans/deposits 68.1%, cash 16.8% of assets.

Cash / Assets
16.82%
Loans / Deposits
68.11%
Brokered %
33.63%

Watch Items

  • infoBrokered deposits above 30% — Brokered 33.6% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 21.51%, CET1 21.51%, leverage 14.36%.

Tier 1 RBC
21.51%
CET1
21.51%
Leverage
14.36%
No watch items at this period.

Asset Quality

StrongQoQ -6
88
Sub-score

Asset quality is strong: Adjusted NPL 1.22%, Texas Ratio 5.0%, NCO YTD 0.17%.

Adjusted NPL
1.22%
Govt-guarantees stripped
Texas Ratio
5.0%
NCO YTD
0.17%
30-89 PD
0.19%
Band 0.3% / 3.0%
90+ PD
0.66%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Risk
5
Sub-score

Reserves are weak: ALLL 0.49% of loans, coverage 40.5%, true coverage 40.5%.

ALLL / Loans
0.49%
Coverage
40.5%
True Loss Coverage
40.5%

Watch Items

  • infoALLL / NPL below 50% — Coverage 40.5% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 40.5% (Adjusted NPL + Performing Mods denominator).
  • watchALLL / Loans below 0.75% — ALLL 0.49% of loans.

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 13:47:54 UTC