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Outdoor Bank

IDRSSD: 43351
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
73
/ 100
StableAs of 2024-Q4QoQ -9

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 #43351 2024-Q4 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.05% of loans.

What changed this quarter

Compared to Q3 2024:
↓ -9 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↓ -20
  • Reserves
    ↓ -15

The five pillars

Liquidity

StrongQoQ 0
84
Sub-score

Liquidity is strong: brokered 10.1%, loans/deposits 88.2%, cash 16.7% of assets.

Cash / Assets
16.72%
Loans / Deposits
88.16%
Brokered %
10.08%
No watch items at this period.

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

WatchQoQ -6
41
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 8.95%.

Tier 1 RBC
—
CET1
0.00%
Leverage
8.95%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ -20
73
Sub-score

Asset quality is stable: Adjusted NPL 1.60%, Texas Ratio 12.1%, NCO YTD 1.05%.

Adjusted NPL
1.60%
Govt-guarantees stripped
Texas Ratio
12.1%
NCO YTD
1.05%
30-89 PD
1.71%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.05% of loans.

Reserves

StrongQoQ -15
84
Sub-score

Reserves are strong: ALLL 2.03% of loans, coverage 129.6%, true coverage 105.0%.

ALLL / Loans
2.03%
Coverage
129.6%
True Loss Coverage
105.0%
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: 2026-05-12 19:47:21 UTC