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American State Bank

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2026-Q1QoQ +2

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

Quarterly Headline

2026-Q1

Bank #735441 2026-Q1 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 108.1% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.99% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↑ +2 ptscomposite
  • Liquidity
    ↓ -10
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +8
  • Reserves
    ↑ +8

The five pillars

Liquidity

WatchQoQ -10
60
Sub-score

Liquidity is deteriorating: brokered 8.4%, loans/deposits 108.1%, cash 3.0% of assets.

Cash / Assets
2.99%
Loans / Deposits
108.10%
Brokered %
8.38%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 108.1% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.99% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.20%
No watch items at this period.

Capitalization

StableQoQ +2
77
Sub-score

Capital position is stable: Tier 1 RBC 11.73%, CET1 11.73%, leverage 10.62%.

Tier 1 RBC
11.73%
CET1
11.73%
Leverage
10.62%
No watch items at this period.

Asset Quality

StrongQoQ +8
94
Sub-score

Asset quality is strong: Adjusted NPL 0.96%, Texas Ratio 7.6%, NCO YTD 0.07%.

Adjusted NPL
0.96%
Govt-guarantees stripped
Texas Ratio
7.6%
NCO YTD
0.07%
30-89 PD
0.59%
Band 0.3% / 3.0%
90+ PD
0.10%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +8
72
Sub-score

Reserves are stable: ALLL 1.17% of loans, coverage 123.0%, true coverage 123.0%.

ALLL / Loans
1.17%
Coverage
123.0%
True Loss Coverage
123.0%
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