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Anb Bank

IDRSSD: 828651
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2024-Q4QoQ -3

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

Quarterly Headline

2024-Q4

Bank #828651 2024-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Asset Quality (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.25% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    ↑ +2
  • Capitalization
    ↓ -13
  • Asset Quality
    — —
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ -1
81
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 73.6%, cash 2.2% of assets.

Cash / Assets
2.25%
Loans / Deposits
73.64%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.25% of assets (threshold 3%).

Securities

StableQoQ +2
79
Sub-score

Securities profile is stable: securities 26.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
26.31%
No watch items at this period.

Capitalization

StableQoQ -13
77
Sub-score

Capital position is stable: Tier 1 RBC 12.68%, CET1 12.68%, leverage 8.07%.

Tier 1 RBC
12.68%
CET1
12.68%
Leverage
8.07%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.07%, Texas Ratio 0.5%, NCO YTD -0.03%.

Adjusted NPL
0.07%
Govt-guarantees stripped
Texas Ratio
0.5%
NCO YTD
-0.03%
30-89 PD
0.08%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +1
78
Sub-score

Reserves are stable: ALLL 0.84% of loans, coverage 1231.3%, true coverage 1231.3%.

ALLL / Loans
0.84%
Coverage
1231.3%
True Loss Coverage
1231.3%
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 21:20:14 UTC