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Abbeville Building And Loan A State Chartered Savings Bank

IDRSSD: 114774
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2024-Q1QoQ +3

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q1

Bank #114774 2024-Q1 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 102.8% (threshold 100%).

What changed this quarter

Compared to Q4 2023:
↑ +3 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +10

The five pillars

Liquidity

StrongQoQ +2
84
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 102.8%, cash 14.9% of assets.

Cash / Assets
14.88%
Loans / Deposits
102.80%
Brokered %
0.00%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 102.8% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.23%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 44.45%, CET1 44.45%, leverage 33.96%.

Tier 1 RBC
44.45%
CET1
44.45%
Leverage
33.96%
No watch items at this period.

Asset Quality

StableQoQ +3
78
Sub-score

Asset quality is stable: Adjusted NPL 1.51%, Texas Ratio 3.0%, NCO YTD 0.00%.

Adjusted NPL
1.51%
Govt-guarantees stripped
Texas Ratio
3.0%
NCO YTD
0.00%
30-89 PD
2.37%
Band 0.3% / 3.0%
90+ PD
0.17%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +10
46
Sub-score

Reserves are deteriorating: ALLL 1.27% of loans, coverage 85.2%, true coverage 55.6%.

ALLL / Loans
1.27%
Coverage
85.2%
True Loss Coverage
55.6%
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: 2026-05-13 08:46:06 UTC