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Osgood Bank

IDRSSD: 313223
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2024-Q1QoQ -1

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

Quarterly Headline

2024-Q1

Bank #313223 2024-Q1 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.08% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↓ -1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -2
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -2
68
Sub-score

Liquidity is stable: brokered 8.7%, loans/deposits 87.1%, cash 2.1% of assets.

Cash / Assets
2.08%
Loans / Deposits
87.13%
Brokered %
8.71%

Watch Items

  • infoCash / Assets below 3% — Cash 2.08% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 13.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
12.95%
No watch items at this period.

Capitalization

StableQoQ +2
75
Sub-score

Capital position is stable: Tier 1 RBC 10.85%, CET1 10.85%, leverage 10.10%.

Tier 1 RBC
10.85%
CET1
10.85%
Leverage
10.10%
No watch items at this period.

Asset Quality

StrongQoQ -2
98
Sub-score

Asset quality is strong: Adjusted NPL 0.23%, Texas Ratio 1.5%, NCO YTD -0.01%.

Adjusted NPL
0.23%
Govt-guarantees stripped
Texas Ratio
1.5%
NCO YTD
-0.01%
30-89 PD
0.64%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 1.75% of loans, coverage 790.6%, true coverage 628.6%.

ALLL / Loans
1.75%
Coverage
790.6%
True Loss Coverage
628.6%
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: 2026-05-14 19:59:35 UTC