Visbanking Logo
Skip to main content

Auburn Banking Company

IDRSSD: 811541
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2024-Q3QoQ -3

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

Quarterly Headline

2024-Q3

Bank #811541 2024-Q3 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.13% of assets (threshold 3%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.75% of loans.

What changed this quarter

Compared to Q2 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    ↓ -7
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ 0

The five pillars

Liquidity

StableQoQ -7
71
Sub-score

Liquidity is stable: brokered 3.3%, loans/deposits 88.0%, cash 2.1% of assets.

Cash / Assets
2.13%
Loans / Deposits
87.96%
Brokered %
3.31%

Watch Items

  • infoCash / Assets below 3% — Cash 2.13% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

WatchQoQ -7
47
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.92%, CET1 9.92%, leverage 8.11%.

Tier 1 RBC
9.92%
CET1
9.92%
Leverage
8.11%
No watch items at this period.

Asset Quality

StrongQoQ 0
99
Sub-score

Asset quality is strong: Adjusted NPL 0.34%, Texas Ratio 3.0%, NCO YTD 0.01%.

Adjusted NPL
0.34%
Govt-guarantees stripped
Texas Ratio
3.0%
NCO YTD
0.01%
30-89 PD
0.15%
Band 0.3% / 3.0%
90+ PD
0.20%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ 0
75
Sub-score

Reserves are stable: ALLL 0.75% of loans, coverage 223.7%, true coverage 100.4%.

ALLL / Loans
0.75%
Coverage
223.7%
True Loss Coverage
100.4%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.75% 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: 2026-05-13 06:24:33 UTC