Visbanking Logo
Skip to main content

American Bank Of Oklahoma

IDRSSD: 2684552
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
68
/ 100
StableAs of 2024-Q2QoQ -6

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 #2684552 2024-Q2 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.05% (govt-guarantees stripped).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 42.8% (Adjusted NPL + Performing Mods denominator).
  3. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.00%.

What changed this quarter

Compared to Q1 2024:
↓ -6 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -18
  • Reserves
    ↓ -13

The five pillars

Liquidity

StableQoQ +1
74
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 96.1%, cash 4.2% of assets.

Cash / Assets
4.19%
Loans / Deposits
96.13%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.56%
No watch items at this period.

Capitalization

StableQoQ +1
76
Sub-score

Capital position is stable: Tier 1 RBC 11.60%, CET1 11.60%, leverage 9.94%.

Tier 1 RBC
11.60%
CET1
11.60%
Leverage
9.94%
No watch items at this period.

Asset Quality

WatchQoQ -18
50
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.05%, Texas Ratio 21.2%, NCO YTD 0.73%.

Adjusted NPL
3.05%
Govt-guarantees stripped
Texas Ratio
21.2%
NCO YTD
0.73%
30-89 PD
2.41%
Band 0.3% / 3.0%
90+ PD
1.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.05% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.00%.

Reserves

WatchQoQ -13
41
Sub-score

Reserves are deteriorating: ALLL 1.74% of loans, coverage 58.0%, true coverage 42.8%.

ALLL / Loans
1.74%
Coverage
58.0%
True Loss Coverage
42.8%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 42.8% (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