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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 — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2024-Q3QoQ -5

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

Quarterly Headline

2024-Q3

Bank #675341 2024-Q3 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 10.96% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↓ -5 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -17
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ -5
95
Sub-score

Liquidity is strong: brokered 7.3%, loans/deposits 20.3%, cash 13.4% of assets.

Cash / Assets
13.39%
Loans / Deposits
20.30%
Brokered %
7.30%
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 41.26%, CET1 41.26%, leverage 16.66%.

Tier 1 RBC
41.26%
CET1
41.26%
Leverage
16.66%
No watch items at this period.

Asset Quality

WatchQoQ -17
50
Sub-score

Asset quality is deteriorating: Adjusted NPL 10.96%, Texas Ratio 10.9%, NCO YTD -0.34%.

Adjusted NPL
10.96%
Govt-guarantees stripped
Texas Ratio
10.9%
NCO YTD
-0.34%
30-89 PD
21.04%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 10.96% (govt-guarantees stripped).

Reserves

WatchQoQ +1
44
Sub-score

Reserves are deteriorating: ALLL 5.37% of loans, coverage 51.8%, true coverage 51.8%.

ALLL / Loans
5.37%
Coverage
51.8%
True Loss Coverage
51.8%
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: 2026-05-12 00:49:25 UTC