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American Trust And Savings Bank

IDRSSD: 675341
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
75
/ 100
StableAs of 2023-Q4QoQ -7

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 #675341 2023-Q4 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 10.32% (govt-guarantees stripped).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 2.93% of loans.
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 48.0% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2023:
↓ -7 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -3
  • Reserves
    — —

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 23.6%, cash 16.8% of assets.

Cash / Assets
16.82%
Loans / Deposits
23.59%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 40.23%, CET1 40.23%, leverage 16.91%.

Tier 1 RBC
40.23%
CET1
40.23%
Leverage
16.91%
No watch items at this period.

Asset Quality

RiskQoQ -3
33
Sub-score

Asset quality is weak: Adjusted NPL 10.32%, Texas Ratio 11.2%, NCO YTD 2.93%.

Adjusted NPL
10.32%
Govt-guarantees stripped
Texas Ratio
11.2%
NCO YTD
2.93%
30-89 PD
6.03%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 10.32% (govt-guarantees stripped).
  • riskNet charge-offs elevated — NCO YTD 2.93% of loans.

Reserves

Watch
42
Sub-score

Reserves are deteriorating: ALLL 4.72% of loans, coverage 48.0%, true coverage 48.0%.

ALLL / Loans
4.72%
Coverage
48.0%
True Loss Coverage
48.0%

Watch Items

  • infoALLL / NPL below 50% — Coverage 48.0% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 48.0% (Adjusted NPL + Performing Mods denominator).

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: 2026-05-12 00:49:25 UTC