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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-Q4

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

Synthesis

Vital Signs Score
82
/ 100
StrongAs 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 #3447576 2025-Q4 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.30% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ 0 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +3
  • Reserves
    ↓ -9

The five pillars

Liquidity

StrongQoQ +2
92
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 86.6%, cash 17.1% of assets.

Cash / Assets
17.08%
Loans / Deposits
86.62%
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 25.31%, CET1 25.31%, leverage 17.98%.

Tier 1 RBC
25.31%
CET1
25.31%
Leverage
17.98%
No watch items at this period.

Asset Quality

StableQoQ +3
77
Sub-score

Asset quality is stable: Adjusted NPL 2.30%, Texas Ratio 8.1%, NCO YTD 0.08%.

Adjusted NPL
2.30%
Govt-guarantees stripped
Texas Ratio
8.1%
NCO YTD
0.08%
30-89 PD
1.05%
Band 0.3% / 3.0%
90+ PD
0.46%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.30% (govt-guarantees stripped).

Reserves

RiskQoQ -9
32
Sub-score

Reserves are weak: ALLL 1.16% of loans, coverage 51.2%, true coverage 50.5%.

ALLL / Loans
1.16%
Coverage
51.2%
True Loss Coverage
50.5%
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 08:42:40 UTC