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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2025-Q1QoQ +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-Q1

Bank #269571 2025-Q1 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 40.9% (Adjusted NPL + Performing Mods denominator).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.76% of assets (threshold 3%).
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.59% of loans.

What changed this quarter

Compared to Q4 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    ↑ +3
  • Capitalization
    — —
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ 0

The five pillars

Liquidity

StrongQoQ 0
82
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 73.7%, cash 2.8% of assets.

Cash / Assets
2.76%
Loans / Deposits
73.70%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.76% of assets (threshold 3%).

Securities

StableQoQ +3
68
Sub-score

Securities profile is stable: securities 29.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
29.55%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 29.85%, CET1 29.85%, leverage 12.07%.

Tier 1 RBC
29.85%
CET1
29.85%
Leverage
12.07%
No watch items at this period.

Asset Quality

StableQoQ +3
79
Sub-score

Asset quality is stable: Adjusted NPL 1.16%, Texas Ratio 5.8%, NCO YTD 0.00%.

Adjusted NPL
1.16%
Govt-guarantees stripped
Texas Ratio
5.8%
NCO YTD
0.00%
30-89 PD
1.18%
Band 0.3% / 3.0%
90+ PD
1.16%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.16%.

Reserves

RiskQoQ 0
8
Sub-score

Reserves are weak: ALLL 0.59% of loans, coverage 51.1%, true coverage 40.9%.

ALLL / Loans
0.59%
Coverage
51.1%
True Loss Coverage
40.9%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 40.9% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.59% 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