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Oriental Bank

IDRSSD: 245276
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2025-Q1QoQ 0

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

Quarterly Headline

2025-Q1

Bank #245276 2025-Q1 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.04% of loans.

What changed this quarter

Compared to Q4 2024:
↓ 0 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ +2
84
Sub-score

Liquidity is strong: brokered 1.7%, loans/deposits 77.4%, cash 4.9% of assets.

Cash / Assets
4.94%
Loans / Deposits
77.39%
Brokered %
1.66%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.79%
No watch items at this period.

Capitalization

StrongQoQ -6
89
Sub-score

Capital position is strong: Tier 1 RBC 12.95%, CET1 12.95%, leverage 9.76%.

Tier 1 RBC
12.95%
CET1
12.95%
Leverage
9.76%
No watch items at this period.

Asset Quality

StableQoQ +3
63
Sub-score

Asset quality is stable: Adjusted NPL 1.94%, Texas Ratio 11.3%, NCO YTD 1.04%.

Adjusted NPL
1.94%
Govt-guarantees stripped
Texas Ratio
11.3%
NCO YTD
1.04%
30-89 PD
2.09%
Band 0.3% / 3.0%
90+ PD
0.74%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.04% of loans.

Reserves

StrongQoQ +1
83
Sub-score

Reserves are strong: ALLL 2.30% of loans, coverage 121.3%, true coverage 121.2%.

ALLL / Loans
2.30%
Coverage
121.3%
True Loss Coverage
121.2%
No watch items at this period.

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 09:57:54 UTC