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American Heritage Bank

IDRSSD: 2960555
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2025-Q2QoQ -16

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

Quarterly Headline

2025-Q2

Bank #2960555 2025-Q2 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 2.59%.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.84% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↓ -16 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -37
  • Reserves
    ↓ -50

The five pillars

Liquidity

StrongQoQ +4
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 62.3%, cash 11.6% of assets.

Cash / Assets
11.56%
Loans / Deposits
62.34%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 12.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
12.72%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.16%, CET1 17.16%, leverage 12.23%.

Tier 1 RBC
17.16%
CET1
17.16%
Leverage
12.23%
No watch items at this period.

Asset Quality

StableQoQ -37
63
Sub-score

Asset quality is stable: Adjusted NPL 2.84%, Texas Ratio 12.1%, NCO YTD -0.02%.

Adjusted NPL
2.84%
Govt-guarantees stripped
Texas Ratio
12.1%
NCO YTD
-0.02%
30-89 PD
0.19%
Band 0.3% / 3.0%
90+ PD
2.59%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.84% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 2.59%.

Reserves

WatchQoQ -50
47
Sub-score

Reserves are deteriorating: ALLL 1.55% of loans, coverage 55.5%, true coverage 55.5%.

ALLL / Loans
1.55%
Coverage
55.5%
True Loss Coverage
55.5%
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 02:30:57 UTC