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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2025-Q4QoQ 0

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

Quarterly Headline

2025-Q4

Bank #3272956 2025-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 105.3% (threshold 100%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.96% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↑ 0 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ -2
79
Sub-score

Liquidity is stable: brokered 5.1%, loans/deposits 105.3%, cash 13.6% of assets.

Cash / Assets
13.62%
Loans / Deposits
105.28%
Brokered %
5.12%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 105.3% (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 19.58%, CET1 19.58%, leverage 16.38%.

Tier 1 RBC
19.58%
CET1
19.58%
Leverage
16.38%
No watch items at this period.

Asset Quality

StableQoQ +1
78
Sub-score

Asset quality is stable: Adjusted NPL 2.96%, Texas Ratio 13.4%, NCO YTD -0.06%.

Adjusted NPL
2.96%
Govt-guarantees stripped
Texas Ratio
13.4%
NCO YTD
-0.06%
30-89 PD
0.40%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.96% (govt-guarantees stripped).

Reserves

StableQoQ +1
61
Sub-score

Reserves are stable: ALLL 2.22% of loans, coverage 76.5%, true coverage 76.5%.

ALLL / Loans
2.22%
Coverage
76.5%
True Loss Coverage
76.5%
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