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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 — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
57
/ 100
WatchAs of 2024-Q3QoQ -11

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

Quarterly Headline

2024-Q3

Bank #2684552 2024-Q3 Vital Signs Score: 57/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 3.35% of loans.
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.31% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↓ -11 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↓ -31
  • Asset Quality
    ↓ -16
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ +4
78
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 89.5%, cash 4.3% of assets.

Cash / Assets
4.33%
Loans / Deposits
89.46%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.11%
No watch items at this period.

Capitalization

WatchQoQ -31
45
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.38%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.38%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

RiskQoQ -16
34
Sub-score

Asset quality is weak: Adjusted NPL 3.31%, Texas Ratio 23.1%, NCO YTD 3.35%.

Adjusted NPL
3.31%
Govt-guarantees stripped
Texas Ratio
23.1%
NCO YTD
3.35%
30-89 PD
2.10%
Band 0.3% / 3.0%
90+ PD
1.54%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.31% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.54%.
  • riskNet charge-offs elevated — NCO YTD 3.35% of loans.

Reserves

WatchQoQ +2
43
Sub-score

Reserves are deteriorating: ALLL 1.70% of loans, coverage 52.4%, true coverage 48.7%.

ALLL / Loans
1.70%
Coverage
52.4%
True Loss Coverage
48.7%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 48.7% (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