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
+2.70% QoQ growth
Total Loan Book
+7.9% 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 · 2024-Q4
Metric History
8 quarters · FDIC Call Report data
| Quarter | CET1 % | Leverage % | RWA | Loan Book | Loans YoY | RWA QoQ | CRE % | Consumer % | SME % | SRT Score |
|---|---|---|---|---|---|---|---|---|---|---|
| 2024-Q4latest | 13.40% | 6.50% | $15.0B | $29.4B | +7.9% | +2.70% | 48.0% | 7.0% | 12.0% | 11 |
| 2024-Q3 | 13.60% | 6.60% | $14.6B | $28.6B | +7.8% | +2.80% | 48.0% | 7.0% | 12.0% | — |
| 2024-Q2 | 13.80% | 6.70% | $14.2B | $27.9B | +7.9% | +2.90% | 48.0% | 6.0% | 12.0% | — |
| 2024-Q1 | 14.00% | 6.80% | $13.8B | $27.2B | +7.9% | +3.00% | 48.0% | 6.0% | 12.0% | — |
| 2023-Q4 | 14.20% | 6.90% | $13.4B | $26.5B | +12.0% | +3.10% | 48.0% | 6.0% | 12.0% | — |
| 2023-Q3 | 14.40% | 7.00% | $13.0B | $25.8B | +11.7% | +2.40% | 48.0% | 6.0% | 12.0% | — |
| 2023-Q2 | 14.60% | 7.10% | $12.7B | $25.2B | +11.5% | +2.40% | 48.0% | 6.0% | 12.0% | — |
| 2023-Q1 | 14.80% | 7.20% | $12.4B | $24.6B | +11.2% | +1.40% | 48.0% | 6.0% | 12.0% | — |
Score Breakdown
Live score · base 15 pts -4 macro adj
CET1 13.40% — above 12%, no pressure
-1.40pp above 8% regulatory floor
Loan book grew 7.9% YoY
RWA grew 2.7% QoQ
Highest concentration: CRE at 48.0% — above 30% threshold
No prior SRT deals on record
Live macro signal: UNFAVORABLE (sentiment -10/20) — 3/10 pts
<$50B total assets — typically too small for SRT market access
Sentiment -10/20 · global -4 pts
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