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American State Bank And Trust Company Of Williston

IDRSSD: 244251
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2024-Q4QoQ -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-Q4

Bank #244251 2024-Q4 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.05% of assets (threshold 3%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.13% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ 0
  • Reserves
    ↓ -7

The five pillars

Liquidity

StrongQoQ +2
82
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 53.3%, cash 2.0% of assets.

Cash / Assets
2.05%
Loans / Deposits
53.33%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.05% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.23%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 20.92%, CET1 20.92%, leverage 12.60%.

Tier 1 RBC
20.92%
CET1
20.92%
Leverage
12.60%
No watch items at this period.

Asset Quality

StrongQoQ 0
83
Sub-score

Asset quality is strong: Adjusted NPL 2.13%, Texas Ratio 7.2%, NCO YTD 0.11%.

Adjusted NPL
2.13%
Govt-guarantees stripped
Texas Ratio
7.2%
NCO YTD
0.11%
30-89 PD
0.64%
Band 0.3% / 3.0%
90+ PD
0.19%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.13% (govt-guarantees stripped).

Reserves

StableQoQ -7
67
Sub-score

Reserves are stable: ALLL 1.96% of loans, coverage 93.9%, true coverage 79.3%.

ALLL / Loans
1.96%
Coverage
93.9%
True Loss Coverage
79.3%
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: 2026-05-15 00:03:28 UTC