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Amalgamated Bank

IDRSSD: 661308
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
92
/ 100
StrongAs of 2024-Q2QoQ 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-Q2

Bank #661308 2024-Q2 Vital Signs Score: 92/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.78% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2024:
↓ 0 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    ↑ +1
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ 0
  • Reserves
    ↓ -4

The five pillars

Liquidity

StableQoQ -1
78
Sub-score

Liquidity is stable: brokered 2.5%, loans/deposits 59.0%, cash 0.8% of assets.

Cash / Assets
0.78%
Loans / Deposits
58.97%
Brokered %
2.55%

Watch Items

  • riskCash / Assets below 3% — Cash 0.78% of assets (threshold 3%).

Securities

StrongQoQ +1
100
Sub-score

Securities profile is strong: securities 20.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
20.12%
No watch items at this period.

Capitalization

StrongQoQ +1
94
Sub-score

Capital position is strong: Tier 1 RBC 14.34%, CET1 14.34%, leverage 8.94%.

Tier 1 RBC
14.34%
CET1
14.34%
Leverage
8.94%
No watch items at this period.

Asset Quality

StrongQoQ 0
96
Sub-score

Asset quality is strong: Adjusted NPL 0.81%, Texas Ratio 4.4%, NCO YTD 0.24%.

Adjusted NPL
0.81%
Govt-guarantees stripped
Texas Ratio
4.4%
NCO YTD
0.24%
30-89 PD
0.25%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -4
92
Sub-score

Reserves are strong: ALLL 1.42% of loans, coverage 177.8%, true coverage 109.5%.

ALLL / Loans
1.42%
Coverage
177.8%
True Loss Coverage
109.5%
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 13:24:41 UTC