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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2025-Q1QoQ -1

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

Quarterly Headline

2025-Q1

Bank #306159 2025-Q1 Vital Signs Score: 77/100 — 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 116.2% (threshold 100%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.63% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -4

The five pillars

Liquidity

WatchQoQ +1
44
Sub-score

Liquidity is deteriorating: brokered 25.6%, loans/deposits 116.2%, cash 1.6% of assets.

Cash / Assets
1.63%
Loans / Deposits
116.15%
Brokered %
25.61%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 116.2% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.63% 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 -1
74
Sub-score

Capital position is stable: Tier 1 RBC 11.68%, CET1 11.68%, leverage 9.54%.

Tier 1 RBC
11.68%
CET1
11.68%
Leverage
9.54%
No watch items at this period.

Asset Quality

StrongQoQ -1
89
Sub-score

Asset quality is strong: Adjusted NPL 0.78%, Texas Ratio 6.3%, NCO YTD 0.02%.

Adjusted NPL
0.78%
Govt-guarantees stripped
Texas Ratio
6.3%
NCO YTD
0.02%
30-89 PD
1.66%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -4
83
Sub-score

Reserves are strong: ALLL 1.25% of loans, coverage 161.7%, true coverage 160.0%.

ALLL / Loans
1.25%
Coverage
161.7%
True Loss Coverage
160.0%
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