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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2025-Q1QoQ +1

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

Quarterly Headline

2025-Q1

Bank #3272956 2025-Q1 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.83% (govt-guarantees stripped).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 103.7% (threshold 100%).

What changed this quarter

Compared to Q4 2024:
↑ +1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ -2
80
Sub-score

Liquidity is stable: brokered 5.1%, loans/deposits 103.7%, cash 12.8% of assets.

Cash / Assets
12.84%
Loans / Deposits
103.71%
Brokered %
5.14%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.7% (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

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.87%, CET1 16.87%, leverage 14.12%.

Tier 1 RBC
16.87%
CET1
16.87%
Leverage
14.12%
No watch items at this period.

Asset Quality

StableQoQ +3
69
Sub-score

Asset quality is stable: Adjusted NPL 3.83%, Texas Ratio 20.0%, NCO YTD 0.00%.

Adjusted NPL
3.83%
Govt-guarantees stripped
Texas Ratio
20.0%
NCO YTD
0.00%
30-89 PD
0.53%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.83% (govt-guarantees stripped).

Reserves

WatchQoQ +2
46
Sub-score

Reserves are deteriorating: ALLL 2.07% of loans, coverage 55.2%, true coverage 53.8%.

ALLL / Loans
2.07%
Coverage
55.2%
True Loss Coverage
53.8%
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