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Oxford Bank

IDRSSD: 448040
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2025-Q4QoQ +3

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

Quarterly Headline

2025-Q4

Bank #448040 2025-Q4 Vital Signs Score: 84/100 — 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

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 45.5% (Adjusted NPL + Performing Mods denominator).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.38% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↑ +3 ptscomposite
  • Liquidity
    ↑ +9
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +3

The five pillars

Liquidity

StrongQoQ +9
97
Sub-score

Liquidity is strong: brokered 3.9%, loans/deposits 67.7%, cash 24.3% of assets.

Cash / Assets
24.31%
Loans / Deposits
67.68%
Brokered %
3.87%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.86%
No watch items at this period.

Capitalization

StrongQoQ -1
96
Sub-score

Capital position is strong: Tier 1 RBC 13.94%, CET1 13.94%, leverage 10.46%.

Tier 1 RBC
13.94%
CET1
13.94%
Leverage
10.46%
No watch items at this period.

Asset Quality

StrongQoQ +2
83
Sub-score

Asset quality is strong: Adjusted NPL 2.38%, Texas Ratio 13.7%, NCO YTD 0.10%.

Adjusted NPL
2.38%
Govt-guarantees stripped
Texas Ratio
13.7%
NCO YTD
0.10%
30-89 PD
0.33%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.38% (govt-guarantees stripped).

Reserves

RiskQoQ +3
32
Sub-score

Reserves are weak: ALLL 1.22% of loans, coverage 51.7%, true coverage 45.5%.

ALLL / Loans
1.22%
Coverage
51.7%
True Loss Coverage
45.5%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 45.5% (Adjusted NPL + Performing Mods denominator).

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