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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 — 2026-Q1

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

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2026-Q1QoQ -5

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 #675341 2026-Q1 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 32.26% (govt-guarantees stripped).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 24.5% (regulatory soft-warning level 50%).
  3. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 24.5% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2025:
↓ -5 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -24

The five pillars

Liquidity

StrongQoQ 0
97
Sub-score

Liquidity is strong: brokered 4.2%, loans/deposits 21.7%, cash 12.1% of assets.

Cash / Assets
12.06%
Loans / Deposits
21.70%
Brokered %
4.23%
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 40.71%, CET1 40.71%, leverage 15.23%.

Tier 1 RBC
40.71%
CET1
40.71%
Leverage
15.23%
No watch items at this period.

Asset Quality

WatchQoQ -4
46
Sub-score

Asset quality is deteriorating: Adjusted NPL 32.26%, Texas Ratio 31.6%, NCO YTD -0.14%.

Adjusted NPL
32.26%
Govt-guarantees stripped
Texas Ratio
31.6%
NCO YTD
-0.14%
30-89 PD
4.06%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 32.26% (govt-guarantees stripped).

Reserves

RiskQoQ -24
33
Sub-score

Reserves are weak: ALLL 7.32% of loans, coverage 24.5%, true coverage 24.5%.

ALLL / Loans
7.32%
Coverage
24.5%
True Loss Coverage
24.5%

Watch Items

  • riskALLL / NPL below 50% — Coverage 24.5% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 24.5% (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