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Osgood Bank

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

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2024-Q2QoQ -2

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

Quarterly Headline

2024-Q2

Bank #313223 2024-Q2 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Reserves (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.11% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +8
  • Securities
    ↓ -16
  • Capitalization
    ↓ -7
  • Asset Quality
    ↑ +1
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +8
76
Sub-score

Liquidity is stable: brokered 7.3%, loans/deposits 73.8%, cash 2.1% of assets.

Cash / Assets
2.11%
Loans / Deposits
73.83%
Brokered %
7.31%

Watch Items

  • infoCash / Assets below 3% — Cash 2.11% of assets (threshold 3%).

Securities

StrongQoQ -16
84
Sub-score

Securities profile is strong: securities 24.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
24.75%
No watch items at this period.

Capitalization

StableQoQ -7
68
Sub-score

Capital position is stable: Tier 1 RBC 11.14%, CET1 11.14%, leverage 9.49%.

Tier 1 RBC
11.14%
CET1
11.14%
Leverage
9.49%
No watch items at this period.

Asset Quality

StrongQoQ +1
99
Sub-score

Asset quality is strong: Adjusted NPL 0.21%, Texas Ratio 1.3%, NCO YTD 0.06%.

Adjusted NPL
0.21%
Govt-guarantees stripped
Texas Ratio
1.3%
NCO YTD
0.06%
30-89 PD
0.43%
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 1.72% of loans, coverage 849.3%, true coverage 668.8%.

ALLL / Loans
1.72%
Coverage
849.3%
True Loss Coverage
668.8%
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