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Angelina Savings Bank Ssb

IDRSSD: 660879
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
90
/ 100
StrongAs of 2024-Q3QoQ +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-Q3

Bank #660879 2024-Q3 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.59% of loans.

What changed this quarter

Compared to Q2 2024:
↑ +3 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ +8
  • Reserves
    ↑ +7

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 51.0%, cash 52.7% of assets.

Cash / Assets
52.67%
Loans / Deposits
50.99%
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

StrongQoQ 0
100
Sub-score

Capital position is strong: Tier 1 RBC 25.22%, CET1 25.22%, leverage 10.11%.

Tier 1 RBC
25.22%
CET1
25.22%
Leverage
10.11%
No watch items at this period.

Asset Quality

StableQoQ +8
78
Sub-score

Asset quality is stable: Adjusted NPL 1.50%, Texas Ratio 6.5%, NCO YTD 1.59%.

Adjusted NPL
1.50%
Govt-guarantees stripped
Texas Ratio
6.5%
NCO YTD
1.59%
30-89 PD
0.07%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.59% of loans.

Reserves

StableQoQ +7
66
Sub-score

Reserves are stable: ALLL 1.60% of loans, coverage 108.1%, true coverage 72.5%.

ALLL / Loans
1.60%
Coverage
108.1%
True Loss Coverage
72.5%
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 10:09:31 UTC