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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2025-Q4QoQ -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-Q4

Bank #9553 2025-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 105.2% (threshold 100%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.52% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↓ -4 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -24

The five pillars

Liquidity

StableQoQ +2
62
Sub-score

Liquidity is stable: brokered 2.8%, loans/deposits 105.2%, cash 1.5% of assets.

Cash / Assets
1.52%
Loans / Deposits
105.19%
Brokered %
2.76%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 105.2% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.52% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 15.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
15.26%
No watch items at this period.

Capitalization

StrongQoQ +1
100
Sub-score

Capital position is strong: Tier 1 RBC 15.56%, CET1 15.56%, leverage 11.62%.

Tier 1 RBC
15.56%
CET1
15.56%
Leverage
11.62%
No watch items at this period.

Asset Quality

StrongQoQ -3
95
Sub-score

Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD 0.00%.

Adjusted NPL
0.00%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
0.00%
30-89 PD
1.09%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -24
56
Sub-score

Reserves are deteriorating: ALLL 1.06% of loans.

ALLL / Loans
1.06%
Coverage
—
True Loss Coverage
—
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