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American National Bank Of Minnesota

IDRSSD: 306159
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2023-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

2023-Q4

Bank #306159 2023-Q4 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 115.3% (threshold 100%).
  2. info
    Brokered deposits above 30%
    Liquidity — Brokered 32.9% of deposits (threshold 30%).

What changed this quarter

Compared to Q3 2023:
↓ 0 ptscomposite
  • Liquidity
    ↓ -14
  • Securities
    — —
  • Capitalization
    ↑ +8
  • Asset Quality
    ↓ -4
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -14
45
Sub-score

Liquidity is deteriorating: brokered 32.9%, loans/deposits 115.3%, cash 3.1% of assets.

Cash / Assets
3.14%
Loans / Deposits
115.28%
Brokered %
32.92%

Watch Items

  • infoBrokered deposits above 30% — Brokered 32.9% of deposits (threshold 30%).
  • riskLoans / Deposits above 100% — Loans/Deposits 115.3% (threshold 100%).

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

StrongQoQ +8
92
Sub-score

Capital position is strong: Tier 1 RBC 12.71%, CET1 12.71%, leverage 9.83%.

Tier 1 RBC
12.71%
CET1
12.71%
Leverage
9.83%
No watch items at this period.

Asset Quality

StrongQoQ -4
96
Sub-score

Asset quality is strong: Adjusted NPL 0.22%, Texas Ratio 1.7%, NCO YTD 0.00%.

Adjusted NPL
0.22%
Govt-guarantees stripped
Texas Ratio
1.7%
NCO YTD
0.00%
30-89 PD
0.94%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
93
Sub-score

Reserves are strong: ALLL 1.28% of loans, coverage 603.3%, true coverage 567.0%.

ALLL / Loans
1.28%
Coverage
603.3%
True Loss Coverage
567.0%
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 04:03:21 UTC