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Ameristate Bank

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2025-Q3QoQ -9

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

Quarterly Headline

2025-Q3

Bank #508355 2025-Q3 Vital Signs Score: 71/100 — 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. watch
    ALLL / NPL below 50%
    Reserves — Coverage 34.3% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 34.3% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.96% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2025:
↓ -9 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -29
  • Reserves
    ↓ -16

The five pillars

Liquidity

StrongQoQ +1
96
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 78.8%, cash 15.0% of assets.

Cash / Assets
14.95%
Loans / Deposits
78.83%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.59%
No watch items at this period.

Capitalization

StrongQoQ +2
85
Sub-score

Capital position is strong: Tier 1 RBC 12.57%, CET1 12.57%, leverage 9.81%.

Tier 1 RBC
12.57%
CET1
12.57%
Leverage
9.81%
No watch items at this period.

Asset Quality

WatchQoQ -29
44
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.96%, Texas Ratio 27.0%, NCO YTD 0.03%.

Adjusted NPL
3.96%
Govt-guarantees stripped
Texas Ratio
27.0%
NCO YTD
0.03%
30-89 PD
1.53%
Band 0.3% / 3.0%
90+ PD
2.07%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.96% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.07%.

Reserves

RiskQoQ -16
30
Sub-score

Reserves are weak: ALLL 1.34% of loans, coverage 34.3%, true coverage 34.3%.

ALLL / Loans
1.34%
Coverage
34.3%
True Loss Coverage
34.3%

Watch Items

  • watchALLL / NPL below 50% — Coverage 34.3% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 34.3% (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: 2026-05-15 01:04:13 UTC