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Adams County Bank

IDRSSD: 9553
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2024-Q4QoQ 0

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

Quarterly Headline

2024-Q4

Bank #9553 2024-Q4 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.9% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.40% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↓ 0 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -7
  • Reserves
    ↑ +6

The five pillars

Liquidity

StableQoQ +4
65
Sub-score

Liquidity is stable: brokered 3.4%, loans/deposits 101.9%, cash 2.4% of assets.

Cash / Assets
2.40%
Loans / Deposits
101.91%
Brokered %
3.40%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.9% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.40% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 13.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
13.33%
No watch items at this period.

Capitalization

StrongQoQ -1
96
Sub-score

Capital position is strong: Tier 1 RBC 14.07%, CET1 14.07%, leverage 10.79%.

Tier 1 RBC
14.07%
CET1
14.07%
Leverage
10.79%
No watch items at this period.

Asset Quality

StrongQoQ -7
90
Sub-score

Asset quality is strong: Adjusted NPL 0.26%, Texas Ratio 1.5%, NCO YTD 0.01%.

Adjusted NPL
0.26%
Govt-guarantees stripped
Texas Ratio
1.5%
NCO YTD
0.01%
30-89 PD
1.63%
Band 0.3% / 3.0%
90+ PD
0.26%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +6
80
Sub-score

Reserves are stable: ALLL 0.89% of loans, coverage 345.0%, true coverage 345.0%.

ALLL / Loans
0.89%
Coverage
345.0%
True Loss Coverage
345.0%
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: 2026-05-14 19:10:03 UTC