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Oriental Bank

IDRSSD: 245276
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
81
/ 100
StrongAs of 2026-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

2026-Q1

Bank #245276 2026-Q1 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.34% (govt-guarantees stripped).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.04% of loans.

What changed this quarter

Compared to Q4 2025:
↑ 0 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↑ +8
  • Reserves
    ↑ +3

The five pillars

Liquidity

StrongQoQ -8
81
Sub-score

Liquidity is strong: brokered 1.9%, loans/deposits 81.6%, cash 4.8% of assets.

Cash / Assets
4.78%
Loans / Deposits
81.57%
Brokered %
1.89%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.23%
No watch items at this period.

Capitalization

StrongQoQ -2
91
Sub-score

Capital position is strong: Tier 1 RBC 13.17%, CET1 13.17%, leverage 10.38%.

Tier 1 RBC
13.17%
CET1
13.17%
Leverage
10.38%
No watch items at this period.

Asset Quality

WatchQoQ +8
58
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.34%, Texas Ratio 13.0%, NCO YTD 1.04%.

Adjusted NPL
2.34%
Govt-guarantees stripped
Texas Ratio
13.0%
NCO YTD
1.04%
30-89 PD
2.14%
Band 0.3% / 3.0%
90+ PD
0.83%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.34% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.04% of loans.

Reserves

StableQoQ +3
80
Sub-score

Reserves are stable: ALLL 2.47% of loans, coverage 108.2%, true coverage 106.7%.

ALLL / Loans
2.47%
Coverage
108.2%
True Loss Coverage
106.7%
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