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Optus Bank

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2026-Q1QoQ +1

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

Quarterly Headline

2026-Q1

Bank #2794732 2026-Q1 Vital Signs Score: 70/100 — 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 13.7% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 13.7% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Brokered deposits above 30%
    Liquidity — Brokered 51.5% of deposits (threshold 30%).

What changed this quarter

Compared to Q4 2025:
↑ +1 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +5
  • Reserves
    ↑ 0

The five pillars

Liquidity

Strong
80
Sub-score

Liquidity is strong: brokered 51.5%, loans/deposits 69.9%, cash 13.8% of assets.

Cash / Assets
13.81%
Loans / Deposits
69.92%
Brokered %
51.53%

Watch Items

  • riskBrokered deposits above 30% — Brokered 51.5% 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 18.68%, CET1 18.68%, leverage 12.46%.

Tier 1 RBC
18.68%
CET1
18.68%
Leverage
12.46%
No watch items at this period.

Asset Quality

WatchQoQ +5
55
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.70%, Texas Ratio 17.1%, NCO YTD 0.04%.

Adjusted NPL
3.70%
Govt-guarantees stripped
Texas Ratio
17.1%
NCO YTD
0.04%
30-89 PD
0.11%
Band 0.3% / 3.0%
90+ PD
2.04%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.70% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.04%.

Reserves

RiskQoQ 0
0
Sub-score

Reserves are weak: ALLL 0.50% of loans, coverage 13.7%, true coverage 13.7%.

ALLL / Loans
0.50%
Coverage
13.7%
True Loss Coverage
13.7%

Watch Items

  • riskALLL / NPL below 50% — Coverage 13.7% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 13.7% (Adjusted NPL + Performing Mods denominator).
  • watchALLL / Loans below 0.75% — ALLL 0.50% 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