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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2024-Q3QoQ -3

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

Quarterly Headline

2024-Q3

Bank #306159 2024-Q3 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 119.3% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.25% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↓ -3 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -11
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -1

The five pillars

Liquidity

WatchQoQ +1
45
Sub-score

Liquidity is deteriorating: brokered 26.9%, loans/deposits 119.3%, cash 2.3% of assets.

Cash / Assets
2.25%
Loans / Deposits
119.25%
Brokered %
26.95%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 119.3% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.25% 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

StableQoQ -11
74
Sub-score

Capital position is stable: Tier 1 RBC 11.60%, CET1 11.60%, leverage 9.70%.

Tier 1 RBC
11.60%
CET1
11.60%
Leverage
9.70%
No watch items at this period.

Asset Quality

StrongQoQ -2
94
Sub-score

Asset quality is strong: Adjusted NPL 0.31%, Texas Ratio 2.5%, NCO YTD -0.02%.

Adjusted NPL
0.31%
Govt-guarantees stripped
Texas Ratio
2.5%
NCO YTD
-0.02%
30-89 PD
1.26%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -1
92
Sub-score

Reserves are strong: ALLL 1.25% of loans, coverage 404.5%, true coverage 394.1%.

ALLL / Loans
1.25%
Coverage
404.5%
True Loss Coverage
394.1%
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