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Adams County Bank

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
88
/ 100
StrongAs of 2025-Q3QoQ +4

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

Quarterly Headline

2025-Q3

Bank #9553 2025-Q3 Vital Signs Score: 88/100 — 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. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.74% of assets (threshold 3%).
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 106.2% (threshold 100%).

What changed this quarter

Compared to Q2 2025:
↑ +4 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +34

The five pillars

Liquidity

StableQoQ -8
60
Sub-score

Liquidity is stable: brokered 2.8%, loans/deposits 106.2%, cash 0.7% of assets.

Cash / Assets
0.74%
Loans / Deposits
106.21%
Brokered %
2.82%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 106.2% (threshold 100%).
  • riskCash / Assets below 3% — Cash 0.74% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 15.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
15.64%
No watch items at this period.

Capitalization

StrongQoQ -1
99
Sub-score

Capital position is strong: Tier 1 RBC 15.06%, CET1 15.06%, leverage 11.69%.

Tier 1 RBC
15.06%
CET1
15.06%
Leverage
11.69%
No watch items at this period.

Asset Quality

StrongQoQ +1
98
Sub-score

Asset quality is strong: Adjusted NPL 0.14%, Texas Ratio 0.7%, NCO YTD 0.00%.

Adjusted NPL
0.14%
Govt-guarantees stripped
Texas Ratio
0.7%
NCO YTD
0.00%
30-89 PD
0.49%
Band 0.3% / 3.0%
90+ PD
0.14%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +34
79
Sub-score

Reserves are stable: ALLL 0.88% of loans, coverage 657.6%, true coverage 657.6%.

ALLL / Loans
0.88%
Coverage
657.6%
True Loss Coverage
657.6%
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: 2026-05-14 19:10:03 UTC