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Adams Community Bank

IDRSSD: 343903
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2025-Q2QoQ -2

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

Quarterly Headline

2025-Q2

Bank #343903 2025-Q2 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 107.5% (threshold 100%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.64% of assets (threshold 3%).
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.59% of loans.

What changed this quarter

Compared to Q1 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ -13

The five pillars

Liquidity

WatchQoQ 0
58
Sub-score

Liquidity is deteriorating: brokered 7.6%, loans/deposits 107.5%, cash 1.6% of assets.

Cash / Assets
1.64%
Loans / Deposits
107.54%
Brokered %
7.63%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 107.5% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.64% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.19%
No watch items at this period.

Capitalization

StrongQoQ +1
98
Sub-score

Capital position is strong: Tier 1 RBC 15.23%, CET1 15.23%, leverage 9.50%.

Tier 1 RBC
15.23%
CET1
15.23%
Leverage
9.50%
No watch items at this period.

Asset Quality

StrongQoQ 0
100
Sub-score

Asset quality is strong: Adjusted NPL 0.45%, Texas Ratio 3.7%, NCO YTD 0.05%.

Adjusted NPL
0.45%
Govt-guarantees stripped
Texas Ratio
3.7%
NCO YTD
0.05%
30-89 PD
0.16%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -13
55
Sub-score

Reserves are deteriorating: ALLL 0.59% of loans, coverage 132.0%, true coverage 121.2%.

ALLL / Loans
0.59%
Coverage
132.0%
True Loss Coverage
121.2%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.59% 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: 2026-05-14 19:26:19 UTC