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American State Bank

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

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2024-Q2QoQ -4

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

Quarterly Headline

2024-Q2

Bank #735441 2024-Q2 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 115.3% (threshold 100%).

What changed this quarter

Compared to Q1 2024:
↓ -4 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -15
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ 0

The five pillars

Liquidity

StableQoQ -3
60
Sub-score

Liquidity is stable: brokered 11.4%, loans/deposits 115.3%, cash 4.6% of assets.

Cash / Assets
4.58%
Loans / Deposits
115.31%
Brokered %
11.43%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 115.3% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.71%
No watch items at this period.

Capitalization

StableQoQ -15
64
Sub-score

Capital position is stable: Tier 1 RBC 10.67%, CET1 10.67%, leverage 9.86%.

Tier 1 RBC
10.67%
CET1
10.67%
Leverage
9.86%
No watch items at this period.

Asset Quality

StrongQoQ +1
87
Sub-score

Asset quality is strong: Adjusted NPL 1.61%, Texas Ratio 13.6%, NCO YTD 0.09%.

Adjusted NPL
1.61%
Govt-guarantees stripped
Texas Ratio
13.6%
NCO YTD
0.09%
30-89 PD
0.38%
Band 0.3% / 3.0%
90+ PD
0.33%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ 0
39
Sub-score

Reserves are weak: ALLL 1.06% of loans, coverage 66.3%, true coverage 66.3%.

ALLL / Loans
1.06%
Coverage
66.3%
True Loss Coverage
66.3%
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: 2026-05-13 01:22:09 UTC