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Oriental Bank

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2025-Q3QoQ -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-Q3

Bank #245276 2025-Q3 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.06% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -6
  • Reserves
    ↑ 0

The five pillars

Liquidity

StrongQoQ -1
84
Sub-score

Liquidity is strong: brokered 1.9%, loans/deposits 79.2%, cash 5.4% of assets.

Cash / Assets
5.43%
Loans / Deposits
79.23%
Brokered %
1.87%
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
2.57%
No watch items at this period.

Capitalization

StrongQoQ +3
93
Sub-score

Capital position is strong: Tier 1 RBC 13.41%, CET1 13.41%, leverage 10.16%.

Tier 1 RBC
13.41%
CET1
13.41%
Leverage
10.16%
No watch items at this period.

Asset Quality

WatchQoQ -6
59
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.06%, Texas Ratio 11.4%, NCO YTD 0.99%.

Adjusted NPL
2.06%
Govt-guarantees stripped
Texas Ratio
11.4%
NCO YTD
0.99%
30-89 PD
2.62%
Band 0.3% / 3.0%
90+ PD
0.72%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.06% (govt-guarantees stripped).

Reserves

StrongQoQ 0
82
Sub-score

Reserves are strong: ALLL 2.43% of loans, coverage 120.9%, true coverage 118.6%.

ALLL / Loans
2.43%
Coverage
120.9%
True Loss Coverage
118.6%
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