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The First National Bank Of Osakis

IDRSSD: 726458
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
80
/ 100
StableAs of 2025-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

2025-Q2

Bank #726458 2025-Q2 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.00% of assets (threshold 3%).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.5% (threshold 100%).

What changed this quarter

Compared to Q1 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -7
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +13

The five pillars

Liquidity

StableQoQ +1
67
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 100.5%, cash 2.0% of assets.

Cash / Assets
2.00%
Loans / Deposits
100.49%
Brokered %
0.00%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.5% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.00% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.51%
No watch items at this period.

Capitalization

StableQoQ -7
60
Sub-score

Capital position is stable: Tier 1 RBC 10.88%, CET1 10.88%, leverage 8.48%.

Tier 1 RBC
10.88%
CET1
10.88%
Leverage
8.48%
No watch items at this period.

Asset Quality

StrongQoQ +3
97
Sub-score

Asset quality is strong: Adjusted NPL 0.43%, Texas Ratio 3.8%, NCO YTD -0.02%.

Adjusted NPL
0.43%
Govt-guarantees stripped
Texas Ratio
3.8%
NCO YTD
-0.02%
30-89 PD
0.76%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +13
81
Sub-score

Reserves are strong: ALLL 0.92% of loans, coverage 214.4%, true coverage 214.4%.

ALLL / Loans
0.92%
Coverage
214.4%
True Loss Coverage
214.4%
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: 2026-05-14 01:07:21 UTC