Bank Safety Analysis
Is Onesource Virtual Trust Bank, N.A. Safe? Dallas, Texas
Based on its Q3 2026 call report, Onesource Virtual Trust Bank, N.A. meets every capital ratio test for well capitalized and its Texas ratio is 0.00%.
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Short answer: is Onesource Virtual Trust Bank, N.A. safe?
On its Q3 2026 call report, Onesource Virtual Trust Bank, N.A.'s CET1 ratio is 514.20%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 514.20%
- Tier 1 leverage ratio (Q3 2026): 100.08%
- Texas ratio (Q3 2026): 0.00%
- Noncurrent loans ratio (Q3 2026): not reported
Source: the FFIEC call report Onesource Virtual Trust Bank, N.A. filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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Onesource Virtual Trust Bank, N.A. passes all 4 safety dimensions, with capital, asset quality, and stress buffers above the concern bands.
Against a median of 19.96% for banks in the < $100M asset tier, Onesource Virtual Trust Bank, N.A. reported 514.20% on CET1 ratio in Q3 2026, 494.24 points higher.
Against the 567 banks with under $100M in assets for Q3 2026, Onesource Virtual Trust Bank, N.A.'s CET1 ratio of 514.20% is above the 19.96% median, Tier 1 leverage ratio of 100.08% is above the 12.88% median, Texas ratio of 0.00% is below the 1.89% median, and efficiency ratio of 3.51% is below the 69.32% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Onesource Virtual Trust Bank, N.A.'s 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does Onesource Virtual Trust Bank, N.A. score on capital, credit and costs?
Peer cohort: Under $100M (568 banks) · Industry averages as of Q3 2026.
Median of the 567 banks with under $100M in assets, Q3 2026: 19.96%.
Median of the 567 banks with under $100M in assets, Q3 2026: 12.88%.
Median of the 567 banks with under $100M in assets, Q3 2026: 1.89%.
Median of the 567 banks with under $100M in assets, Q3 2026: 69.32%.
Does Onesource Virtual Trust Bank, N.A. trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 514.20% | Within range |
| Texas ratio BankRegReports band | 0.00% | Within range |
| Non-performing loan ratio BankRegReports band | — | Not reported |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | — | Not reported |
| Commercial real estate to capital supervisory threshold | 0.00% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
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Frequently asked
Is Onesource Virtual Trust Bank, N.A. well capitalized?
On its Q3 2026 call report, Onesource Virtual Trust Bank, N.A.'s CET1 ratio is 514.20%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator applies.
What are Onesource Virtual Trust Bank, N.A.'s key safety ratios?
For Q3 2026, Onesource Virtual Trust Bank, N.A. reports CET1 514.20%, leverage 100.08%, Texas ratio 0.00%, noncurrent loans not reported. Its Texas ratio compares with the 1.89% median for the 567 banks with under $100M in assets.
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Free to use and updated each quarter. It states no rating or capital category.
Where does this data come from?
Not investment advice. See the full Onesource Virtual Trust Bank, N.A. profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
Every ratio Onesource Virtual Trust Bank, N.A. is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FFIEC NIC profile (RSSD 6075626)
Explore: Full Onesource Virtual Trust Bank, N.A. profile · Other banks in TX · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.