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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 — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2024-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

2024-Q2

Bank #269571 2024-Q2 Vital Signs Score: 72/100 — 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. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 45.7% (Adjusted NPL + Performing Mods denominator).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.45% of assets (threshold 3%).
  3. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.22%.

What changed this quarter

Compared to Q1 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    ↑ +6
  • Capitalization
    — —
  • Asset Quality
    ↓ -2
  • Reserves
    ↑ +2

The five pillars

Liquidity

StrongQoQ +2
83
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 69.9%, cash 2.5% of assets.

Cash / Assets
2.45%
Loans / Deposits
69.89%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.45% of assets (threshold 3%).

Securities

WatchQoQ +6
57
Sub-score

Securities profile is deteriorating: securities 32.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
32.85%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 30.36%, CET1 30.36%, leverage 12.82%.

Tier 1 RBC
30.36%
CET1
30.36%
Leverage
12.82%
No watch items at this period.

Asset Quality

StableQoQ -2
77
Sub-score

Asset quality is stable: Adjusted NPL 1.22%, Texas Ratio 5.4%, NCO YTD 0.00%.

Adjusted NPL
1.22%
Govt-guarantees stripped
Texas Ratio
5.4%
NCO YTD
0.00%
30-89 PD
1.39%
Band 0.3% / 3.0%
90+ PD
1.22%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.22%.

Reserves

RiskQoQ +2
18
Sub-score

Reserves are weak: ALLL 0.74% of loans, coverage 61.5%, true coverage 45.7%.

ALLL / Loans
0.74%
Coverage
61.5%
True Loss Coverage
45.7%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 45.7% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.74% of loans.

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