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Oxford University Bank

IDRSSD: 2938769
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 +1

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 #2938769 2024-Q2 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (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 Q1 2024:
↑ +1 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    ↑ +6
  • Asset Quality
    ↑ +4
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ -8
81
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 82.4%, cash 4.3% of assets.

Cash / Assets
4.27%
Loans / Deposits
82.41%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.55%
No watch items at this period.

Capitalization

StableQoQ +6
62
Sub-score

Capital position is stable: Tier 1 RBC 11.06%, CET1 11.06%, leverage 8.43%.

Tier 1 RBC
11.06%
CET1
11.06%
Leverage
8.43%
No watch items at this period.

Asset Quality

StrongQoQ +4
97
Sub-score

Asset quality is strong: Adjusted NPL 0.56%, Texas Ratio 4.3%, NCO YTD 0.03%.

Adjusted NPL
0.56%
Govt-guarantees stripped
Texas Ratio
4.3%
NCO YTD
0.03%
30-89 PD
0.58%
Band 0.3% / 3.0%
90+ PD
0.12%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -1
93
Sub-score

Reserves are strong: ALLL 1.30% of loans, coverage 237.0%, true coverage 233.8%.

ALLL / Loans
1.30%
Coverage
237.0%
True Loss Coverage
233.8%
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: 2026-05-15 09:55:58 UTC