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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2025-Q1QoQ -1

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

Quarterly Headline

2025-Q1

Bank #114774 2025-Q1 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 47.4% (Adjusted NPL + Performing Mods denominator).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.48%.

What changed this quarter

Compared to Q4 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -9
  • Reserves
    ↑ +4

The five pillars

Liquidity

StrongQoQ +3
86
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 97.8%, cash 17.8% of assets.

Cash / Assets
17.78%
Loans / Deposits
97.78%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.71%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 41.85%, CET1 41.85%, leverage 30.64%.

Tier 1 RBC
41.85%
CET1
41.85%
Leverage
30.64%
No watch items at this period.

Asset Quality

StableQoQ -9
63
Sub-score

Asset quality is stable: Adjusted NPL 1.48%, Texas Ratio 3.2%, NCO YTD 0.00%.

Adjusted NPL
1.48%
Govt-guarantees stripped
Texas Ratio
3.2%
NCO YTD
0.00%
30-89 PD
4.41%
Band 0.3% / 3.0%
90+ PD
1.48%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.48%.

Reserves

RiskQoQ +4
30
Sub-score

Reserves are weak: ALLL 1.03% of loans, coverage 70.1%, true coverage 47.4%.

ALLL / Loans
1.03%
Coverage
70.1%
True Loss Coverage
47.4%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 47.4% (Adjusted NPL + Performing Mods denominator).

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