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Ameristate Bank

IDRSSD: 508355
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2025-Q2QoQ +6

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

Quarterly Headline

2025-Q2

Bank #508355 2025-Q2 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.24% (govt-guarantees stripped).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.01%.

What changed this quarter

Compared to Q1 2025:
↑ +6 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +37
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -19

The five pillars

Liquidity

StrongQoQ -1
95
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 80.3%, cash 12.1% of assets.

Cash / Assets
12.08%
Loans / Deposits
80.26%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.06%
No watch items at this period.

Capitalization

StrongQoQ +37
82
Sub-score

Capital position is strong: Tier 1 RBC 12.50%, CET1 12.50%, leverage 9.42%.

Tier 1 RBC
12.50%
CET1
12.50%
Leverage
9.42%
No watch items at this period.

Asset Quality

StableQoQ -2
72
Sub-score

Asset quality is stable: Adjusted NPL 2.24%, Texas Ratio 15.5%, NCO YTD 0.01%.

Adjusted NPL
2.24%
Govt-guarantees stripped
Texas Ratio
15.5%
NCO YTD
0.01%
30-89 PD
0.96%
Band 0.3% / 3.0%
90+ PD
1.01%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.24% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.01%.

Reserves

WatchQoQ -19
46
Sub-score

Reserves are deteriorating: ALLL 1.35% of loans, coverage 61.2%, true coverage 61.2%.

ALLL / Loans
1.35%
Coverage
61.2%
True Loss Coverage
61.2%
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: 2026-05-15 01:04:13 UTC