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American Momentum Bank

IDRSSD: 3447576
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
86
/ 100
StrongAs of 2025-Q2QoQ -4

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 #3447576 2025-Q2 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.10%.

What changed this quarter

Compared to Q1 2025:
↓ -4 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -12
  • Reserves
    ↓ -8

The five pillars

Liquidity

StrongQoQ -1
90
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 90.7%, cash 11.6% of assets.

Cash / Assets
11.60%
Loans / Deposits
90.71%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 22.53%, CET1 22.53%, leverage 17.12%.

Tier 1 RBC
22.53%
CET1
22.53%
Leverage
17.12%
No watch items at this period.

Asset Quality

StableQoQ -12
77
Sub-score

Asset quality is stable: Adjusted NPL 1.31%, Texas Ratio 5.2%, NCO YTD 0.79%.

Adjusted NPL
1.31%
Govt-guarantees stripped
Texas Ratio
5.2%
NCO YTD
0.79%
30-89 PD
0.46%
Band 0.3% / 3.0%
90+ PD
1.10%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.10%.

Reserves

WatchQoQ -8
56
Sub-score

Reserves are deteriorating: ALLL 1.13% of loans, coverage 87.4%, true coverage 85.4%.

ALLL / Loans
1.13%
Coverage
87.4%
True Loss Coverage
85.4%
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 08:42:40 UTC