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Abington Bank

IDRSSD: 61476
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2024-Q2QoQ -1

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

Quarterly Headline

2024-Q2

Bank #61476 2024-Q2 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 111.0% (threshold 100%).
  2. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.51% of loans.
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.17% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↑ +3
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ -7
61
Sub-score

Liquidity is stable: brokered 2.4%, loans/deposits 111.0%, cash 2.2% of assets.

Cash / Assets
2.17%
Loans / Deposits
111.01%
Brokered %
2.39%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 111.0% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.17% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ 0
99
Sub-score

Capital position is strong: Tier 1 RBC 15.07%, CET1 15.07%, leverage 10.20%.

Tier 1 RBC
15.07%
CET1
15.07%
Leverage
10.20%
No watch items at this period.

Asset Quality

StrongQoQ +3
96
Sub-score

Asset quality is strong: Adjusted NPL 0.90%, Texas Ratio 6.7%, NCO YTD 0.02%.

Adjusted NPL
0.90%
Govt-guarantees stripped
Texas Ratio
6.7%
NCO YTD
0.02%
30-89 PD
0.23%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -1
14
Sub-score

Reserves are weak: ALLL 0.51% of loans, coverage 56.7%, true coverage 56.7%.

ALLL / Loans
0.51%
Coverage
56.7%
True Loss Coverage
56.7%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.51% of loans.

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: 2026-05-15 11:34:35 UTC