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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-Q4

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

Synthesis

Vital Signs Score
75
/ 100
StableAs 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 #3116519 2025-Q4 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 0.27% of loans.
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 114.0% (threshold 100%).
  3. info
    Brokered deposits above 30%
    Liquidity — Brokered 33.5% of deposits (threshold 30%).

What changed this quarter

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

The five pillars

Liquidity

Stable
60
Sub-score

Liquidity is stable: brokered 33.5%, loans/deposits 114.0%, cash 10.6% of assets.

Cash / Assets
10.63%
Loans / Deposits
113.95%
Brokered %
33.52%

Watch Items

  • infoBrokered deposits above 30% — Brokered 33.5% of deposits (threshold 30%).
  • watchLoans / Deposits above 100% — Loans/Deposits 114.0% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.53%
No watch items at this period.

Capitalization

WatchQoQ 0
53
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.31%, CET1 10.31%, leverage 8.89%.

Tier 1 RBC
10.31%
CET1
10.31%
Leverage
8.89%
No watch items at this period.

Asset Quality

StrongQoQ -1
99
Sub-score

Asset quality is strong: Adjusted NPL 0.04%, Texas Ratio 0.4%, NCO YTD 0.20%.

Adjusted NPL
0.04%
Govt-guarantees stripped
Texas Ratio
0.4%
NCO YTD
0.20%
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 0.27% of loans, coverage 704.9%, true coverage 286.5%.

ALLL / Loans
0.27%
Coverage
704.9%
True Loss Coverage
286.5%

Watch Items

  • riskALLL / Loans below 0.75% — ALLL 0.27% 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