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American Commercial Bank And Trust National Association

IDRSSD: 856243
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2025-Q3QoQ +2

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

Quarterly Headline

2025-Q3

Bank #856243 2025-Q3 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q2 2025:
↑ +2 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ +7
61
Sub-score

Liquidity is stable: brokered 25.5%, loans/deposits 90.2%, cash 4.7% of assets.

Cash / Assets
4.72%
Loans / Deposits
90.22%
Brokered %
25.50%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.24%
No watch items at this period.

Capitalization

WatchQoQ +2
56
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.15%, CET1 10.15%, leverage 9.03%.

Tier 1 RBC
10.15%
CET1
10.15%
Leverage
9.03%
No watch items at this period.

Asset Quality

StrongQoQ +2
99
Sub-score

Asset quality is strong: Adjusted NPL 0.54%, Texas Ratio 4.4%, NCO YTD 0.06%.

Adjusted NPL
0.54%
Govt-guarantees stripped
Texas Ratio
4.4%
NCO YTD
0.06%
30-89 PD
0.20%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +1
100
Sub-score

Reserves are strong: ALLL 1.49% of loans, coverage 277.7%, true coverage 277.7%.

ALLL / Loans
1.49%
Coverage
277.7%
True Loss Coverage
277.7%
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: 2026-05-13 16:08:34 UTC