Approximate figures · 2025-Q4. All quarters shown for OSB Group (OneSavings Bank) are estimates compiled from public annual reports, not values ingested from a regulatory filing. Levels (CET1, leverage, RWA, loan book, concentrations) approximate the published figures; the quarter-to-quarter path was extrapolated, so QoQ and YoY change figures are not observed and the score withholds every trend signal that would read them. No newer quarter is available for this bank.

OSB Group (OneSavings Bank)

OSB

United Kingdom · EuropeRegulated by PRALatest: 2025-Q4

20LOW

CET1 Ratio

13.90%

Common Equity Tier 1 / RWA · approximate

Risk-Weighted Assets

$16.2B

Approximate · QoQ growth not observed

Total Loan Book

$31.6B

Approximate · YoY growth not observed

Leverage Ratio

7.00%

Tier 1 / Average assets · approximate

CET1 Ratio Trend

8 quarters · regulatory minimum 8% · scoring threshold 12% · approximate series — the shape is an estimate, not observed

RWA Growth

Bars = total ($B) · Line = QoQ growth % · approximate

Loan Book Composition

Latest quarter · 2025-Q4 · approximate

Comm. Real Estate48.0%

Consumer7.0%

SME / C&I12.0%

Other33.0%

Metric History

12 quarters · approximate estimates

All quarters marked approx are estimates compiled from public annual reports. Levels approximate the published figures; the quarter-to-quarter path is extrapolated, so the Loans YoY and RWA QoQ columns on those rows are not observed changes.

Quarter	CET1 %	Leverage %	RWA	Loan Book	Loans YoY	RWA QoQ	CRE %	Consumer %	SME %	SRT Score
2025-Q4latestapprox	13.90%	7.00%	$16.2B	$31.6B	+7.5%	+1.90%	48.0%	7.0%	12.0%	17
2025-Q3approx	13.80%	6.90%	$15.9B	$31.1B	+8.7%	+1.90%	48.0%	7.0%	12.0%	12
2025-Q2approx	13.70%	6.80%	$15.6B	$30.6B	+9.7%	+2.00%	48.0%	7.0%	12.0%	13
2025-Q1approx	13.60%	6.70%	$15.3B	$30.0B	+10.3%	+2.00%	48.0%	7.0%	12.0%	12
2024-Q4approx	13.40%	6.50%	$15.0B	$29.4B	+7.9%	+2.70%	48.0%	7.0%	12.0%	14
2024-Q3approx	13.60%	6.60%	$14.6B	$28.6B	+7.8%	+2.80%	48.0%	7.0%	12.0%	13
2024-Q2approx	13.80%	6.70%	$14.2B	$27.9B	+7.9%	+2.90%	48.0%	6.0%	12.0%	13
2024-Q1approx	14.00%	6.80%	$13.8B	$27.2B	+7.9%	+3.00%	48.0%	6.0%	12.0%	13
2023-Q4approx	14.20%	6.90%	$13.4B	$26.5B	+12.0%	+3.10%	48.0%	6.0%	12.0%	10
2023-Q3approx	14.40%	7.00%	$13.0B	$25.8B	+11.7%	+2.40%	48.0%	6.0%	12.0%	10
2023-Q2approx	14.60%	7.10%	$12.7B	$25.2B	+11.5%	+2.40%	48.0%	6.0%	12.0%	10
2023-Q1approx	14.80%	7.20%	$12.4B	$24.6B	+11.2%	+1.40%	48.0%	6.0%	12.0%	10

AI Investment Memo

Llama will analyze OSB Group (OneSavings Bank) across 4 data dimensions and write a structured memo

Score: 20/100·Model: gpt-oss-120b·Tools: get_bank_metrics · get_historical_deals · get_regulatory_context · calculate_candidate_score

Click Generate Analysis to create an investment memo

Llama will call 4 tools then write a structured memo covering thesis, deal sizing, timing, and risks

Score Breakdown

20/100 —LOW

First-time candidate · scored on fundamentals (0–54 band)

Capital Pressure0/40

CET1 13.90% — well above management threshold

-1.90pp headroom above 8% regulatory floor

withheldCET1 quarterly trend not scored — this bank's quarter-to-quarter figures are extrapolated, not observed, so a trend in them would measure the estimate rather than the bank. Level-based signals (CET1, leverage, size, concentration) still score.

n/a

Leverage ratio 7.00% — adequate headroom

Loan Book Growth5/30

withheldLoan book YoY growth not scored — this bank's quarter-to-quarter figures are extrapolated, not observed, so a trend in them would measure the estimate rather than the bank. Level-based signals (CET1, leverage, size, concentration) still score.

n/a

withheldRWA QoQ growth not scored — this bank's quarter-to-quarter figures are extrapolated, not observed, so a trend in them would measure the estimate rather than the bank. Level-based signals (CET1, leverage, size, concentration) still score.

n/a

CRE: 48%, Lev.Loans: 0%, max(Consumer/SME): 12%

Historical SRT0/25

No prior SRT deals on record

Macro Context9/10

Live macro signal: FAVORABLE (sentiment +14/20) — 9/10 pts

Small Bank

<$50B total assets — typically too small for SRT market access

-8

Europe regional bonus+8

Macro environment · FAVORABLE+6

Sentiment +14/20 · global +6 pts

Overall SRT likelihood20/100