Visbanking Logo
Skip to main content

American State Bank

IDRSSD: 262358
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2025-Q4QoQ -11

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

Quarterly Headline

2025-Q4

Bank #262358 2025-Q4 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 23.6% (Adjusted NPL + Performing Mods denominator).
  2. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 2.61%.
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.66% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ -11 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -38
  • Reserves
    ↓ -15

The five pillars

Liquidity

StrongQoQ +2
89
Sub-score

Liquidity is strong: brokered 4.5%, loans/deposits 86.1%, cash 18.4% of assets.

Cash / Assets
18.44%
Loans / Deposits
86.08%
Brokered %
4.53%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.03%
No watch items at this period.

Capitalization

StrongQoQ +1
99
Sub-score

Capital position is strong: Tier 1 RBC 14.38%, CET1 14.38%, leverage 10.74%.

Tier 1 RBC
14.38%
CET1
14.38%
Leverage
10.74%
No watch items at this period.

Asset Quality

WatchQoQ -38
40
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.66%, Texas Ratio 22.0%, NCO YTD 0.04%.

Adjusted NPL
3.66%
Govt-guarantees stripped
Texas Ratio
22.0%
NCO YTD
0.04%
30-89 PD
2.63%
Band 0.3% / 3.0%
90+ PD
2.61%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.66% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 2.61%.

Reserves

RiskQoQ -15
32
Sub-score

Reserves are weak: ALLL 1.45% of loans, coverage 40.0%, true coverage 23.6%.

ALLL / Loans
1.45%
Coverage
40.0%
True Loss Coverage
23.6%

Watch Items

  • infoALLL / NPL below 50% — Coverage 40.0% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 23.6% (Adjusted NPL + Performing Mods denominator).

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 01:17:57 UTC