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American Commerce Bank National Association

IDRSSD: 3272956
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
84
/ 100
StrongAs of 2023-Q4QoQ -14

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 #3272956 2023-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.70% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↓ -14 ptscomposite
  • Liquidity
    ↓ -13
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -22
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -13
83
Sub-score

Liquidity is strong: brokered 5.1%, loans/deposits 97.3%, cash 16.5% of assets.

Cash / Assets
16.45%
Loans / Deposits
97.34%
Brokered %
5.12%
No watch items at this period.

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

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.24%, CET1 16.24%, leverage 13.19%.

Tier 1 RBC
16.24%
CET1
16.24%
Leverage
13.19%
No watch items at this period.

Asset Quality

StableQoQ -22
75
Sub-score

Asset quality is stable: Adjusted NPL 2.70%, Texas Ratio 14.8%, NCO YTD 0.63%.

Adjusted NPL
2.70%
Govt-guarantees stripped
Texas Ratio
14.8%
NCO YTD
0.63%
30-89 PD
0.46%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.70% (govt-guarantees stripped).

Reserves

Watch
60
Sub-score

Reserves are deteriorating: ALLL 2.01% of loans, coverage 76.2%, true coverage 73.4%.

ALLL / Loans
2.01%
Coverage
76.2%
True Loss Coverage
73.4%
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 04:13:43 UTC