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Optus Bank

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
68
/ 100
StableAs of 2025-Q4QoQ -4

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

Quarterly Headline

2025-Q4

Bank #2794732 2025-Q4 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 10.8% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 10.8% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Brokered deposits above 30%
    Liquidity — Brokered 52.6% of deposits (threshold 30%).

What changed this quarter

Compared to Q3 2025:
↓ -4 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -16
  • Reserves
    ↓ -1

The five pillars

Liquidity

Strong
80
Sub-score

Liquidity is strong: brokered 52.6%, loans/deposits 66.3%, cash 14.7% of assets.

Cash / Assets
14.72%
Loans / Deposits
66.29%
Brokered %
52.60%

Watch Items

  • riskBrokered deposits above 30% — Brokered 52.6% 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 18.81%, CET1 18.81%, leverage 12.41%.

Tier 1 RBC
18.81%
CET1
18.81%
Leverage
12.41%
No watch items at this period.

Asset Quality

WatchQoQ -16
50
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.56%, Texas Ratio 21.0%, NCO YTD 0.03%.

Adjusted NPL
4.56%
Govt-guarantees stripped
Texas Ratio
21.0%
NCO YTD
0.03%
30-89 PD
0.06%
Band 0.3% / 3.0%
90+ PD
2.86%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.56% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 2.86%.

Reserves

RiskQoQ -1
0
Sub-score

Reserves are weak: ALLL 0.49% of loans, coverage 10.8%, true coverage 10.8%.

ALLL / Loans
0.49%
Coverage
10.8%
True Loss Coverage
10.8%

Watch Items

  • riskALLL / NPL below 50% — Coverage 10.8% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 10.8% (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