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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 — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2025-Q2QoQ +15

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

Quarterly Headline

2025-Q2

Bank #956358 2025-Q2 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q1 2025:
↑ +15 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↑ +6
  • Asset Quality
    ↑ +24
  • Reserves
    ↑ +47

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 67.2%, cash 15.1% of assets.

Cash / Assets
15.11%
Loans / Deposits
67.19%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.24%
No watch items at this period.

Capitalization

WatchQoQ +6
54
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.66%, CET1 10.66%, leverage 7.47%.

Tier 1 RBC
10.66%
CET1
10.66%
Leverage
7.47%
No watch items at this period.

Asset Quality

StrongQoQ +24
82
Sub-score

Asset quality is strong: Adjusted NPL 0.75%, Texas Ratio 6.0%, NCO YTD 0.68%.

Adjusted NPL
0.75%
Govt-guarantees stripped
Texas Ratio
6.0%
NCO YTD
0.68%
30-89 PD
1.93%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +47
67
Sub-score

Reserves are stable: ALLL 0.97% of loans, coverage 130.6%, true coverage 130.6%.

ALLL / Loans
0.97%
Coverage
130.6%
True Loss Coverage
130.6%
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: 2026-05-12 20:04:33 UTC