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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2025-Q3QoQ -3

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

Quarterly Headline

2025-Q3

Bank #735441 2025-Q3 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 111.7% (threshold 100%).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.33% of loans.

What changed this quarter

Compared to Q2 2025:
↓ -3 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -12
  • Reserves
    ↓ -1

The five pillars

Liquidity

WatchQoQ 0
57
Sub-score

Liquidity is deteriorating: brokered 13.2%, loans/deposits 111.7%, cash 3.7% of assets.

Cash / Assets
3.68%
Loans / Deposits
111.67%
Brokered %
13.19%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 111.7% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.53%
No watch items at this period.

Capitalization

StableQoQ +2
70
Sub-score

Capital position is stable: Tier 1 RBC 11.17%, CET1 11.17%, leverage 10.11%.

Tier 1 RBC
11.17%
CET1
11.17%
Leverage
10.11%
No watch items at this period.

Asset Quality

StableQoQ -12
74
Sub-score

Asset quality is stable: Adjusted NPL 1.48%, Texas Ratio 12.1%, NCO YTD 1.33%.

Adjusted NPL
1.48%
Govt-guarantees stripped
Texas Ratio
12.1%
NCO YTD
1.33%
30-89 PD
1.33%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.33% of loans.

Reserves

WatchQoQ -1
45
Sub-score

Reserves are deteriorating: ALLL 1.08% of loans, coverage 73.5%, true coverage 73.5%.

ALLL / Loans
1.08%
Coverage
73.5%
True Loss Coverage
73.5%
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