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Armstrong County Building And Loan Association

IDRSSD: 269571
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2023-Q4QoQ -14

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

Quarterly Headline

2023-Q4

Bank #269571 2023-Q4 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.99% of assets (threshold 3%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 44.7% (Adjusted NPL + Performing Mods denominator).
  3. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.17%.

What changed this quarter

Compared to Q3 2023:
↓ -14 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    ↑ +2
  • Capitalization
    — —
  • Asset Quality
    ↓ -20
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +2
80
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 68.4%, cash 1.0% of assets.

Cash / Assets
0.99%
Loans / Deposits
68.36%
Brokered %
0.00%

Watch Items

  • riskCash / Assets below 3% — Cash 0.99% of assets (threshold 3%).

Securities

WatchQoQ +2
50
Sub-score

Securities profile is deteriorating: securities 35.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
35.03%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 30.65%, CET1 30.65%, leverage 13.07%.

Tier 1 RBC
30.65%
CET1
30.65%
Leverage
13.07%
No watch items at this period.

Asset Quality

StableQoQ -20
80
Sub-score

Asset quality is stable: Adjusted NPL 1.17%, Texas Ratio 5.0%, NCO YTD 0.00%.

Adjusted NPL
1.17%
Govt-guarantees stripped
Texas Ratio
5.0%
NCO YTD
0.00%
30-89 PD
1.11%
Band 0.3% / 3.0%
90+ PD
1.17%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.17%.

Reserves

Risk
20
Sub-score

Reserves are weak: ALLL 0.77% of loans, coverage 66.5%, true coverage 44.7%.

ALLL / Loans
0.77%
Coverage
66.5%
True Loss Coverage
44.7%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 44.7% (Adjusted NPL + Performing Mods denominator).

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 05:27:30 UTC