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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 — 2024-Q2

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

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2024-Q2QoQ +1

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 #306159 2024-Q2 Vital Signs Score: 83/100 — 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 119.6% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.67% of assets (threshold 3%).
  3. info
    Brokered deposits above 30%
    Liquidity — Brokered 30.1% of deposits (threshold 30%).

What changed this quarter

Compared to Q1 2024:
↑ +1 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ 0
  • Reserves
    ↑ 0

The five pillars

Liquidity

WatchQoQ 0
44
Sub-score

Liquidity is deteriorating: brokered 30.1%, loans/deposits 119.6%, cash 2.7% of assets.

Cash / Assets
2.67%
Loans / Deposits
119.59%
Brokered %
30.10%

Watch Items

  • infoBrokered deposits above 30% — Brokered 30.1% of deposits (threshold 30%).
  • riskLoans / Deposits above 100% — Loans/Deposits 119.6% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.67% of assets (threshold 3%).

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 +2
85
Sub-score

Capital position is strong: Tier 1 RBC 12.65%, CET1 12.65%, leverage 9.59%.

Tier 1 RBC
12.65%
CET1
12.65%
Leverage
9.59%
No watch items at this period.

Asset Quality

StrongQoQ 0
96
Sub-score

Asset quality is strong: Adjusted NPL 0.27%, Texas Ratio 2.2%, NCO YTD -0.02%.

Adjusted NPL
0.27%
Govt-guarantees stripped
Texas Ratio
2.2%
NCO YTD
-0.02%
30-89 PD
0.95%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ 0
92
Sub-score

Reserves are strong: ALLL 1.27% of loans, coverage 478.9%, true coverage 461.0%.

ALLL / Loans
1.27%
Coverage
478.9%
True Loss Coverage
461.0%
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