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American Bank Of Freedom

IDRSSD: 568359
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
76
/ 100
StableAs of 2025-Q3QoQ -3

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 #568359 2025-Q3 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 3.20% of loans.
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 103.1% (threshold 100%).

What changed this quarter

Compared to Q2 2025:
↓ -3 ptscomposite
  • Liquidity
    ↑ +8
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -9
  • Reserves
    ↓ -18

The five pillars

Liquidity

StableQoQ +8
77
Sub-score

Liquidity is stable: brokered 7.8%, loans/deposits 103.1%, cash 9.4% of assets.

Cash / Assets
9.42%
Loans / Deposits
103.10%
Brokered %
7.83%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.1% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ +2
81
Sub-score

Capital position is strong: Tier 1 RBC 12.33%, CET1 12.33%, leverage 9.80%.

Tier 1 RBC
12.33%
CET1
12.33%
Leverage
9.80%
No watch items at this period.

Asset Quality

StableQoQ -9
74
Sub-score

Asset quality is stable: Adjusted NPL 1.11%, Texas Ratio 8.4%, NCO YTD 3.20%.

Adjusted NPL
1.11%
Govt-guarantees stripped
Texas Ratio
8.4%
NCO YTD
3.20%
30-89 PD
0.92%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 3.20% of loans.

Reserves

WatchQoQ -18
43
Sub-score

Reserves are deteriorating: ALLL 0.95% of loans, coverage 85.7%, true coverage 72.1%.

ALLL / Loans
0.95%
Coverage
85.7%
True Loss Coverage
72.1%
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: 2026-05-15 00:00:35 UTC