Visbanking Logo
Skip to main content

Osgood Bank

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

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2024-Q3QoQ +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-Q3

Bank #313223 2024-Q3 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Asset Quality (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q2 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ +10
  • Securities
    ↓ -1
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ +1
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +10
85
Sub-score

Liquidity is strong: brokered 4.6%, loans/deposits 70.2%, cash 4.9% of assets.

Cash / Assets
4.89%
Loans / Deposits
70.17%
Brokered %
4.61%
No watch items at this period.

Securities

StrongQoQ -1
83
Sub-score

Securities profile is strong: securities 25.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
25.08%
No watch items at this period.

Capitalization

StableQoQ 0
68
Sub-score

Capital position is stable: Tier 1 RBC 11.42%, CET1 11.42%, leverage 8.79%.

Tier 1 RBC
11.42%
CET1
11.42%
Leverage
8.79%
No watch items at this period.

Asset Quality

StrongQoQ +1
100
Sub-score

Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD 0.00%.

Adjusted NPL
0.00%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
0.00%
30-89 PD
0.00%
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, true coverage 779.5%.

ALLL / Loans
1.72%
Coverage
—
True Loss Coverage
779.5%
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: 2026-05-14 19:59:35 UTC