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Anthem Bank And Trust

IDRSSD: 527178
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
91
/ 100
StrongAs of 2025-Q3QoQ -2

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 #527178 2025-Q3 Vital Signs Score: 91/100 — overall strong. Strongest pillar: Capitalization (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.85% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    ↑ +4
  • Capitalization
    — —
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ -8
77
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 79.6%, cash 1.8% of assets.

Cash / Assets
1.85%
Loans / Deposits
79.62%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.85% of assets (threshold 3%).

Securities

StrongQoQ +4
95
Sub-score

Securities profile is strong: securities 21.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
21.60%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.96%, CET1 16.96%, leverage 11.32%.

Tier 1 RBC
16.96%
CET1
16.96%
Leverage
11.32%
No watch items at this period.

Asset Quality

StrongQoQ -5
86
Sub-score

Asset quality is strong: Adjusted NPL 0.28%, Texas Ratio 1.5%, NCO YTD 0.00%.

Adjusted NPL
0.28%
Govt-guarantees stripped
Texas Ratio
1.5%
NCO YTD
0.00%
30-89 PD
2.58%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -1
96
Sub-score

Reserves are strong: ALLL 1.39% of loans, coverage 497.8%, true coverage 497.8%.

ALLL / Loans
1.39%
Coverage
497.8%
True Loss Coverage
497.8%
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 08:18:19 UTC