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American First National Bank

IDRSSD: 2694681
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2024-Q2QoQ -3

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

Quarterly Headline

2024-Q2

Bank #2694681 2024-Q2 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.0% (threshold 100%).

What changed this quarter

Compared to Q1 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -17

The five pillars

Liquidity

StableQoQ 0
76
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 101.0%, cash 6.3% of assets.

Cash / Assets
6.28%
Loans / Deposits
101.01%
Brokered %
0.00%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.0% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.19%
No watch items at this period.

Capitalization

StrongQoQ -3
96
Sub-score

Capital position is strong: Tier 1 RBC 13.89%, CET1 13.89%, leverage 12.80%.

Tier 1 RBC
13.89%
CET1
13.89%
Leverage
12.80%
No watch items at this period.

Asset Quality

StrongQoQ -1
85
Sub-score

Asset quality is strong: Adjusted NPL 1.35%, Texas Ratio 8.6%, NCO YTD 0.01%.

Adjusted NPL
1.35%
Govt-guarantees stripped
Texas Ratio
8.6%
NCO YTD
0.01%
30-89 PD
1.45%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -17
42
Sub-score

Reserves are deteriorating: ALLL 0.98% of loans, coverage 73.5%, true coverage 72.5%.

ALLL / Loans
0.98%
Coverage
73.5%
True Loss Coverage
72.5%
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: 2026-05-13 12:04:53 UTC