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Optus Bank

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

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2024-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

2024-Q4

Bank #2794732 2024-Q4 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Brokered deposits above 30%
    Liquidity — Brokered 48.9% of deposits (threshold 30%).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 38.4% (regulatory soft-warning level 50%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 38.4% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2024:
↓ -12 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -24
  • Reserves
    ↓ -43

The five pillars

Liquidity

StableQoQ 0
80
Sub-score

Liquidity is stable: brokered 48.9%, loans/deposits 70.2%, cash 13.1% of assets.

Cash / Assets
13.07%
Loans / Deposits
70.17%
Brokered %
48.91%

Watch Items

  • riskBrokered deposits above 30% — Brokered 48.9% 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 18.57%, CET1 18.57%, leverage 12.49%.

Tier 1 RBC
18.57%
CET1
18.57%
Leverage
12.49%
No watch items at this period.

Asset Quality

StableQoQ -24
73
Sub-score

Asset quality is stable: Adjusted NPL 1.23%, Texas Ratio 5.8%, NCO YTD 0.14%.

Adjusted NPL
1.23%
Govt-guarantees stripped
Texas Ratio
5.8%
NCO YTD
0.14%
30-89 PD
2.39%
Band 0.3% / 3.0%
90+ PD
0.97%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -43
4
Sub-score

Reserves are weak: ALLL 0.47% of loans, coverage 38.4%, true coverage 38.4%.

ALLL / Loans
0.47%
Coverage
38.4%
True Loss Coverage
38.4%

Watch Items

  • watchALLL / NPL below 50% — Coverage 38.4% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 38.4% (Adjusted NPL + Performing Mods denominator).
  • watchALLL / Loans below 0.75% — ALLL 0.47% 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