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Osb Community Bank

IDRSSD: 725077
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2024-Q4QoQ 0

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

Quarterly Headline

2024-Q4

Bank #725077 2024-Q4 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 105.8% (threshold 100%).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.03%.

What changed this quarter

Compared to Q3 2024:
↓ 0 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -2

The five pillars

Liquidity

StableQoQ +2
60
Sub-score

Liquidity is stable: brokered 11.5%, loans/deposits 105.8%, cash 3.5% of assets.

Cash / Assets
3.53%
Loans / Deposits
105.79%
Brokered %
11.47%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 105.8% (threshold 100%).

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 16.85%, CET1 16.85%, leverage 12.00%.

Tier 1 RBC
16.85%
CET1
16.85%
Leverage
12.00%
No watch items at this period.

Asset Quality

StrongQoQ -2
81
Sub-score

Asset quality is strong: Adjusted NPL 1.60%, Texas Ratio 10.3%, NCO YTD -0.05%.

Adjusted NPL
1.60%
Govt-guarantees stripped
Texas Ratio
10.3%
NCO YTD
-0.05%
30-89 PD
0.53%
Band 0.3% / 3.0%
90+ PD
1.03%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.03%.

Reserves

StableQoQ -2
66
Sub-score

Reserves are stable: ALLL 1.40% of loans, coverage 88.5%, true coverage 88.5%.

ALLL / Loans
1.40%
Coverage
88.5%
True Loss Coverage
88.5%
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 06:11:15 UTC