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American Bank Of Oklahoma

IDRSSD: 2684552
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2023-Q4QoQ -20

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

Quarterly Headline

2023-Q4

Bank #2684552 2023-Q4 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 39.1% (Adjusted NPL + Performing Mods denominator).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 42.6% (regulatory soft-warning level 50%).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.78% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↓ -20 ptscomposite
  • Liquidity
    ↓ -11
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -32
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -11
73
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 99.8%, cash 4.4% of assets.

Cash / Assets
4.41%
Loans / Deposits
99.82%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.20%
No watch items at this period.

Capitalization

StrongQoQ +1
86
Sub-score

Capital position is strong: Tier 1 RBC 12.06%, CET1 12.06%, leverage 10.50%.

Tier 1 RBC
12.06%
CET1
12.06%
Leverage
10.50%
No watch items at this period.

Asset Quality

StableQoQ -32
65
Sub-score

Asset quality is stable: Adjusted NPL 2.78%, Texas Ratio 19.2%, NCO YTD 1.05%.

Adjusted NPL
2.78%
Govt-guarantees stripped
Texas Ratio
19.2%
NCO YTD
1.05%
30-89 PD
1.27%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.78% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.05% of loans.

Reserves

Risk
27
Sub-score

Reserves are weak: ALLL 1.17% of loans, coverage 42.6%, true coverage 39.1%.

ALLL / Loans
1.17%
Coverage
42.6%
True Loss Coverage
39.1%

Watch Items

  • infoALLL / NPL below 50% — Coverage 42.6% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 39.1% (Adjusted NPL + Performing Mods denominator).

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 09:45:18 UTC