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Armstrong County Building And Loan Association

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q4QoQ +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-Q4

Bank #269571 2025-Q4 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 48.5% (Adjusted NPL + Performing Mods denominator).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.42% of assets (threshold 3%).
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.56% of loans.

What changed this quarter

Compared to Q3 2025:
↑ +1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    ↑ +1
  • Capitalization
    — —
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ +2
80
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 77.0%, cash 2.4% of assets.

Cash / Assets
2.42%
Loans / Deposits
77.04%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.42% of assets (threshold 3%).

Securities

StableQoQ +1
79
Sub-score

Securities profile is stable: securities 26.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
26.19%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 27.72%, CET1 27.72%, leverage 12.27%.

Tier 1 RBC
27.72%
CET1
27.72%
Leverage
12.27%
No watch items at this period.

Asset Quality

StrongQoQ -1
83
Sub-score

Asset quality is strong: Adjusted NPL 1.04%, Texas Ratio 5.5%, NCO YTD -0.01%.

Adjusted NPL
1.04%
Govt-guarantees stripped
Texas Ratio
5.5%
NCO YTD
-0.01%
30-89 PD
0.87%
Band 0.3% / 3.0%
90+ PD
1.04%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.04%.

Reserves

RiskQoQ +2
12
Sub-score

Reserves are weak: ALLL 0.56% of loans, coverage 54.4%, true coverage 48.5%.

ALLL / Loans
0.56%
Coverage
54.4%
True Loss Coverage
48.5%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 48.5% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.56% 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