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Security State Bank Of Oklahoma

IDRSSD: 52951
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2023-Q4QoQ -19

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

Quarterly Headline

2023-Q4

Bank #52951 2023-Q4 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 5.53% of loans.
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.52% (govt-guarantees stripped).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 46.0% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2023:
↓ -19 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -50
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +6
83
Sub-score

Liquidity is strong: brokered 7.6%, loans/deposits 67.3%, cash 4.7% of assets.

Cash / Assets
4.69%
Loans / Deposits
67.33%
Brokered %
7.58%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 20.16%, CET1 20.16%, leverage 14.52%.

Tier 1 RBC
20.16%
CET1
20.16%
Leverage
14.52%
No watch items at this period.

Asset Quality

WatchQoQ -50
48
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.52%, Texas Ratio 16.7%, NCO YTD 5.53%.

Adjusted NPL
4.52%
Govt-guarantees stripped
Texas Ratio
16.7%
NCO YTD
5.53%
30-89 PD
0.13%
Band 0.3% / 3.0%
90+ PD
0.40%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.52% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 5.53% of loans.

Reserves

Watch
41
Sub-score

Reserves are deteriorating: ALLL 2.04% of loans, coverage 46.0%, true coverage 46.0%.

ALLL / Loans
2.04%
Coverage
46.0%
True Loss Coverage
46.0%

Watch Items

  • infoALLL / NPL below 50% — Coverage 46.0% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 46.0% (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: 2026-05-14 19:23:27 UTC