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Oxford Bank

IDRSSD: 448040
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
83
/ 100
StrongAs of 2024-Q2QoQ -5

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 #448040 2024-Q2 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q1 2024:
↓ -5 ptscomposite
  • Liquidity
    ↓ -14
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -2

The five pillars

Liquidity

StrongQoQ -14
86
Sub-score

Liquidity is strong: brokered 4.2%, loans/deposits 83.4%, cash 7.8% of assets.

Cash / Assets
7.77%
Loans / Deposits
83.42%
Brokered %
4.16%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.82%
No watch items at this period.

Capitalization

StrongQoQ -4
94
Sub-score

Capital position is strong: Tier 1 RBC 13.59%, CET1 13.59%, leverage 10.93%.

Tier 1 RBC
13.59%
CET1
13.59%
Leverage
10.93%
No watch items at this period.

Asset Quality

StrongQoQ -3
87
Sub-score

Asset quality is strong: Adjusted NPL 1.55%, Texas Ratio 9.3%, NCO YTD 0.53%.

Adjusted NPL
1.55%
Govt-guarantees stripped
Texas Ratio
9.3%
NCO YTD
0.53%
30-89 PD
0.21%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -2
39
Sub-score

Reserves are weak: ALLL 1.13% of loans, coverage 73.6%, true coverage 56.5%.

ALLL / Loans
1.13%
Coverage
73.6%
True Loss Coverage
56.5%
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: 2026-05-15 00:29:57 UTC