Visbanking Logo
Skip to main content

Ozona Bank

IDRSSD: 780263
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
78
/ 100
StableAs of 2025-Q4QoQ -1

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 #780263 2025-Q4 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 23.5% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 23.5% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 6.30% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -9
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +4
  • Reserves
    ↓ -3

The five pillars

Liquidity

StrongQoQ -9
91
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 56.9%, cash 5.7% of assets.

Cash / Assets
5.75%
Loans / Deposits
56.86%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 15.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
15.40%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 21.72%, CET1 21.72%, leverage 12.82%.

Tier 1 RBC
21.72%
CET1
21.72%
Leverage
12.82%
No watch items at this period.

Asset Quality

WatchQoQ +4
59
Sub-score

Asset quality is deteriorating: Adjusted NPL 6.30%, Texas Ratio 21.9%, NCO YTD 0.01%.

Adjusted NPL
6.30%
Govt-guarantees stripped
Texas Ratio
21.9%
NCO YTD
0.01%
30-89 PD
1.23%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 6.30% (govt-guarantees stripped).

Reserves

RiskQoQ -3
32
Sub-score

Reserves are weak: ALLL 1.46% of loans, coverage 23.5%, true coverage 23.5%.

ALLL / Loans
1.46%
Coverage
23.5%
True Loss Coverage
23.5%

Watch Items

  • riskALLL / NPL below 50% — Coverage 23.5% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 23.5% (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: 2026-05-13 11:32:43 UTC