Visbanking Logo
Skip to main content

Anahuac National Bank

IDRSSD: 424352
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2024-Q2QoQ -9

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

Quarterly Headline

2024-Q2

Bank #424352 2024-Q2 Vital Signs Score: 86/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 2.49%.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.49% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2024:
↓ -9 ptscomposite
  • Liquidity
    ↓ -11
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -17
  • Reserves
    ↓ -21

The five pillars

Liquidity

StrongQoQ -11
89
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 40.8%, cash 5.3% of assets.

Cash / Assets
5.25%
Loans / Deposits
40.82%
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 24.12%, CET1 24.12%, leverage 13.23%.

Tier 1 RBC
24.12%
CET1
24.12%
Leverage
13.23%
No watch items at this period.

Asset Quality

StableQoQ -17
67
Sub-score

Asset quality is stable: Adjusted NPL 2.49%, Texas Ratio 6.5%, NCO YTD -0.04%.

Adjusted NPL
2.49%
Govt-guarantees stripped
Texas Ratio
6.5%
NCO YTD
-0.04%
30-89 PD
0.11%
Band 0.3% / 3.0%
90+ PD
2.49%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.49% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.49%.

Reserves

StableQoQ -21
79
Sub-score

Reserves are stable: ALLL 2.54% of loans, coverage 104.9%, true coverage 104.9%.

ALLL / Loans
2.54%
Coverage
104.9%
True Loss Coverage
104.9%
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: 2026-05-13 01:23:50 UTC