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American State Bank

IDRSSD: 735441
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2023-Q4QoQ -12

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

Quarterly Headline

2023-Q4

Bank #735441 2023-Q4 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 103.4% (threshold 100%).

What changed this quarter

Compared to Q3 2023:
↓ -12 ptscomposite
  • Liquidity
    ↓ -10
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -10
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -10
66
Sub-score

Liquidity is stable: brokered 10.2%, loans/deposits 103.4%, cash 5.1% of assets.

Cash / Assets
5.14%
Loans / Deposits
103.45%
Brokered %
10.21%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.4% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.38%
No watch items at this period.

Capitalization

StrongQoQ -3
80
Sub-score

Capital position is strong: Tier 1 RBC 11.43%, CET1 11.43%, leverage 10.34%.

Tier 1 RBC
11.43%
CET1
11.43%
Leverage
10.34%
No watch items at this period.

Asset Quality

StrongQoQ -10
90
Sub-score

Asset quality is strong: Adjusted NPL 1.46%, Texas Ratio 11.6%, NCO YTD -0.01%.

Adjusted NPL
1.46%
Govt-guarantees stripped
Texas Ratio
11.6%
NCO YTD
-0.01%
30-89 PD
0.20%
Band 0.3% / 3.0%
90+ PD
0.22%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Watch
46
Sub-score

Reserves are deteriorating: ALLL 1.08% of loans, coverage 75.0%, true coverage 75.0%.

ALLL / Loans
1.08%
Coverage
75.0%
True Loss Coverage
75.0%
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 01:22:09 UTC