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American State Bank

IDRSSD: 735441
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
69
/ 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 #735441 2025-Q1 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 110.3% (threshold 100%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.07% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ 0

The five pillars

Liquidity

WatchQoQ -8
58
Sub-score

Liquidity is deteriorating: brokered 10.6%, loans/deposits 110.3%, cash 3.2% of assets.

Cash / Assets
3.18%
Loans / Deposits
110.33%
Brokered %
10.59%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 110.3% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.80%
No watch items at this period.

Capitalization

StableQoQ +1
70
Sub-score

Capital position is stable: Tier 1 RBC 11.15%, CET1 11.15%, leverage 10.07%.

Tier 1 RBC
11.15%
CET1
11.15%
Leverage
10.07%
No watch items at this period.

Asset Quality

StrongQoQ +2
82
Sub-score

Asset quality is strong: Adjusted NPL 2.07%, Texas Ratio 16.8%, NCO YTD -0.01%.

Adjusted NPL
2.07%
Govt-guarantees stripped
Texas Ratio
16.8%
NCO YTD
-0.01%
30-89 PD
0.39%
Band 0.3% / 3.0%
90+ PD
0.41%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.07% (govt-guarantees stripped).

Reserves

RiskQoQ 0
32
Sub-score

Reserves are weak: ALLL 1.10% of loans, coverage 54.0%, true coverage 54.0%.

ALLL / Loans
1.10%
Coverage
54.0%
True Loss Coverage
54.0%
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