Data source: Metrics for European banks are sourced from 2025 annual reports and ECB/EBA Pillar 3 disclosures. Figures are updated semi-annually as regulatory filings are published — not via real-time API like US banks (FDIC).
OSB Group (OneSavings Bank)
OSBCET1 Ratio
Common Equity Tier 1 / RWA
Risk-Weighted Assets
+1.90% QoQ growth
Total Loan Book
+7.5% YoY growth
Leverage Ratio
Tier 1 / Average assets
CET1 Ratio Trend
8 quarters · regulatory minimum 8% · scoring threshold 12%
RWA Growth
Bars = total ($B) · Line = QoQ growth %
Loan Book Composition
Latest quarter · 2025-Q4
Metric History
12 quarters · FDIC Call Report data
| Quarter | CET1 % | Leverage % | RWA | Loan Book | Loans YoY | RWA QoQ | CRE % | Consumer % | SME % | SRT Score |
|---|---|---|---|---|---|---|---|---|---|---|
| 2025-Q4latest | 13.90% | 7.00% | $16.2B | $31.6B | +7.5% | +1.90% | 48.0% | 7.0% | 12.0% | 21 |
| 2025-Q3 | 13.80% | 6.90% | $15.9B | $31.1B | +8.7% | +1.90% | 48.0% | 7.0% | 12.0% | 22 |
| 2025-Q2 | 13.70% | 6.80% | $15.6B | $30.6B | +9.7% | +2.00% | 48.0% | 7.0% | 12.0% | 22 |
| 2025-Q1 | 13.60% | 6.70% | $15.3B | $30.0B | +10.3% | +2.00% | 48.0% | 7.0% | 12.0% | 25 |
| 2024-Q4 | 13.40% | 6.50% | $15.0B | $29.4B | +7.9% | +2.70% | 48.0% | 7.0% | 12.0% | 17 |
| 2024-Q3 | 13.60% | 6.60% | $14.6B | $28.6B | +7.8% | +2.80% | 48.0% | 7.0% | 12.0% | 17 |
| 2024-Q2 | 13.80% | 6.70% | $14.2B | $27.9B | +7.9% | +2.90% | 48.0% | 6.0% | 12.0% | 17 |
| 2024-Q1 | 14.00% | 6.80% | $13.8B | $27.2B | +7.9% | +3.00% | 48.0% | 6.0% | 12.0% | 17 |
| 2023-Q4 | 14.20% | 6.90% | $13.4B | $26.5B | +12.0% | +3.10% | 48.0% | 6.0% | 12.0% | 23 |
| 2023-Q3 | 14.40% | 7.00% | $13.0B | $25.8B | +11.7% | +2.40% | 48.0% | 6.0% | 12.0% | 20 |
| 2023-Q2 | 14.60% | 7.10% | $12.7B | $25.2B | +11.5% | +2.40% | 48.0% | 6.0% | 12.0% | 20 |
| 2023-Q1 | 14.80% | 7.20% | $12.4B | $24.6B | +11.2% | +1.40% | 48.0% | 6.0% | 12.0% | 20 |
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Score Breakdown
Live score · base 19 pts +2 macro adj
CET1 13.90% — well above management threshold
-1.90pp headroom above 8% regulatory floor
Leverage ratio 7.00% — adequate headroom
Loan book grew 7.5% YoY
RWA grew 1.9% QoQ
CRE: 48%, Lev.Loans: 0%, max(Consumer/SME): 12%
No prior SRT deals on record
Live macro signal: FAVORABLE (sentiment +6/20) — 7/10 pts
<$50B total assets — typically too small for SRT market access
Sentiment +6/20 · global +2 pts