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American Eagle Bank

IDRSSD: 3116519
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
75
/ 100
StableAs of 2025-Q1QoQ 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-Q1

Bank #3116519 2025-Q1 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.32% of loans.
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 111.6% (threshold 100%).

What changed this quarter

Compared to Q4 2024:
↑ 0 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    — —
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ 0
60
Sub-score

Liquidity is stable: brokered 29.3%, loans/deposits 111.6%, cash 11.2% of assets.

Cash / Assets
11.18%
Loans / Deposits
111.62%
Brokered %
29.29%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 111.6% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.59%
No watch items at this period.

Capitalization

WatchQoQ +1
53
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.23%, CET1 10.23%, leverage 9.07%.

Tier 1 RBC
10.23%
CET1
10.23%
Leverage
9.07%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.04%, Texas Ratio 0.3%, NCO YTD 0.06%.

Adjusted NPL
0.04%
Govt-guarantees stripped
Texas Ratio
0.3%
NCO YTD
0.06%
30-89 PD
0.07%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
67
Sub-score

Reserves are stable: ALLL 0.32% of loans, coverage 878.1%, true coverage 327.4%.

ALLL / Loans
0.32%
Coverage
878.1%
True Loss Coverage
327.4%

Watch Items

  • riskALLL / Loans below 0.75% — ALLL 0.32% of loans.

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 03:36:50 UTC