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Optus Bank

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

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2024-Q1QoQ +9

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

Quarterly Headline

2024-Q1

Bank #2794732 2024-Q1 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Brokered deposits above 30%
    Liquidity — Brokered 41.4% of deposits (threshold 30%).
  2. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.46% of loans.

What changed this quarter

Compared to Q4 2023:
↑ +9 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +11
  • Reserves
    ↑ +39

The five pillars

Liquidity

Strong
80
Sub-score

Liquidity is strong: brokered 41.4%, loans/deposits 67.8%, cash 16.1% of assets.

Cash / Assets
16.08%
Loans / Deposits
67.84%
Brokered %
41.36%

Watch Items

  • watchBrokered deposits above 30% — Brokered 41.4% 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 18.30%, CET1 18.30%, leverage 13.92%.

Tier 1 RBC
18.30%
CET1
18.30%
Leverage
13.92%
No watch items at this period.

Asset Quality

StrongQoQ +11
99
Sub-score

Asset quality is strong: Adjusted NPL 0.47%, Texas Ratio 2.0%, NCO YTD 0.12%.

Adjusted NPL
0.47%
Govt-guarantees stripped
Texas Ratio
2.0%
NCO YTD
0.12%
30-89 PD
0.38%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +39
44
Sub-score

Reserves are deteriorating: ALLL 0.46% of loans, coverage 99.3%, true coverage 99.3%.

ALLL / Loans
0.46%
Coverage
99.3%
True Loss Coverage
99.3%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.46% 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