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Oriental Bank

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

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2025-Q2QoQ +1

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

Quarterly Headline

2025-Q2

Bank #245276 2025-Q2 Vital Signs Score: 83/100 — 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

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q1 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ 0

The five pillars

Liquidity

StrongQoQ +1
85
Sub-score

Liquidity is strong: brokered 2.4%, loans/deposits 78.9%, cash 6.1% of assets.

Cash / Assets
6.07%
Loans / Deposits
78.90%
Brokered %
2.43%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.62%
No watch items at this period.

Capitalization

StrongQoQ +1
90
Sub-score

Capital position is strong: Tier 1 RBC 12.95%, CET1 12.95%, leverage 9.99%.

Tier 1 RBC
12.95%
CET1
12.95%
Leverage
9.99%
No watch items at this period.

Asset Quality

StableQoQ +2
65
Sub-score

Asset quality is stable: Adjusted NPL 1.99%, Texas Ratio 11.5%, NCO YTD 0.64%.

Adjusted NPL
1.99%
Govt-guarantees stripped
Texas Ratio
11.5%
NCO YTD
0.64%
30-89 PD
2.31%
Band 0.3% / 3.0%
90+ PD
0.69%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ 0
82
Sub-score

Reserves are strong: ALLL 2.32% of loans, coverage 119.5%, true coverage 117.9%.

ALLL / Loans
2.32%
Coverage
119.5%
True Loss Coverage
117.9%
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