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Anderson Brothers Bank

IDRSSD: 6329
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
83
/ 100
StrongAs of 2025-Q2QoQ -1

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 #6329 2025-Q2 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.69% of loans.

What changed this quarter

Compared to Q1 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -4
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +1
84
Sub-score

Liquidity is strong: brokered 15.7%, loans/deposits 81.8%, cash 12.7% of assets.

Cash / Assets
12.74%
Loans / Deposits
81.82%
Brokered %
15.69%
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

StableQoQ -1
67
Sub-score

Capital position is stable: Tier 1 RBC 11.20%, CET1 11.20%, leverage 9.02%.

Tier 1 RBC
11.20%
CET1
11.20%
Leverage
9.02%
No watch items at this period.

Asset Quality

StableQoQ -4
76
Sub-score

Asset quality is stable: Adjusted NPL 0.56%, Texas Ratio 4.2%, NCO YTD 1.69%.

Adjusted NPL
0.56%
Govt-guarantees stripped
Texas Ratio
4.2%
NCO YTD
1.69%
30-89 PD
1.72%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.69% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 1.81% of loans, coverage 327.3%, true coverage 327.3%.

ALLL / Loans
1.81%
Coverage
327.3%
True Loss Coverage
327.3%
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: 2026-05-15 01:16:29 UTC