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Security Bank Of The Ozarks

IDRSSD: 956358
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
66
/ 100
StableAs of 2024-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

2024-Q4

Bank #956358 2024-Q4 Vital Signs Score: 66/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / NPL below 50%
    Reserves — Coverage 34.5% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 34.5% (Adjusted NPL + Performing Mods denominator).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.84% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↑ +1 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↑ +5
  • Reserves
    ↓ 0

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 69.4%, cash 11.3% of assets.

Cash / Assets
11.27%
Loans / Deposits
69.35%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.26%
No watch items at this period.

Capitalization

WatchQoQ 0
48
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.18%, CET1 10.18%, leverage 7.36%.

Tier 1 RBC
10.18%
CET1
10.18%
Leverage
7.36%
No watch items at this period.

Asset Quality

StableQoQ +5
66
Sub-score

Asset quality is stable: Adjusted NPL 2.84%, Texas Ratio 23.2%, NCO YTD 0.20%.

Adjusted NPL
2.84%
Govt-guarantees stripped
Texas Ratio
23.2%
NCO YTD
0.20%
30-89 PD
2.07%
Band 0.3% / 3.0%
90+ PD
0.09%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.84% (govt-guarantees stripped).

Reserves

RiskQoQ 0
18
Sub-score

Reserves are weak: ALLL 0.97% of loans, coverage 34.5%, true coverage 34.5%.

ALLL / Loans
0.97%
Coverage
34.5%
True Loss Coverage
34.5%

Watch Items

  • watchALLL / NPL below 50% — Coverage 34.5% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 34.5% (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: 2026-05-12 20:04:33 UTC