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Osb Community Bank

IDRSSD: 725077
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
84
/ 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 #725077 2025-Q2 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 107.7% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.66% of assets (threshold 3%).
  3. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.11%.

What changed this quarter

Compared to Q1 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +2

The five pillars

Liquidity

WatchQoQ -8
58
Sub-score

Liquidity is deteriorating: brokered 10.7%, loans/deposits 107.7%, cash 2.7% of assets.

Cash / Assets
2.66%
Loans / Deposits
107.66%
Brokered %
10.69%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 107.7% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.66% of assets (threshold 3%).

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 15.83%, CET1 15.83%, leverage 11.59%.

Tier 1 RBC
15.83%
CET1
15.83%
Leverage
11.59%
No watch items at this period.

Asset Quality

StrongQoQ +2
84
Sub-score

Asset quality is strong: Adjusted NPL 1.30%, Texas Ratio 8.8%, NCO YTD -0.10%.

Adjusted NPL
1.30%
Govt-guarantees stripped
Texas Ratio
8.8%
NCO YTD
-0.10%
30-89 PD
0.22%
Band 0.3% / 3.0%
90+ PD
1.11%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.11%.

Reserves

StableQoQ +2
73
Sub-score

Reserves are stable: ALLL 1.34% of loans, coverage 104.3%, true coverage 104.3%.

ALLL / Loans
1.34%
Coverage
104.3%
True Loss Coverage
104.3%
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