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Auburn Savings Bank Fsb

IDRSSD: 229173
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 2 alerts active.

Summary

RSSD 229173 held $101.8M in total assets as of 2026-03-31 (-0.4% quarter-over-quarter). Total loans stood at $83.1M (+0.3% QoQ) and total deposits at $73.6M (-2.6% QoQ).

Overall position is weak — the composite Health Score is 34/100 (Weak). Tier 1 / RWA stands at 12.49%, in the bottom quartile of peers. Asset quality (NPL ratio) sits in the above median of peers.

2 Quarterly Anomaly Alerts fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
34/100
Weak
Active Alerts
2
0 critical, 2 warning
Total Assets
$101.8M
-0.4% QoQ
Total Loans
$83.1M
+0.3% QoQ
Total Deposits
$73.6M
-2.6% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
12.49%
11th pctile · n=217↑ better
+6 bp QoQ
CET1 / RWA
12.49%
62th pctile · n=500↑ better
+6 bp QoQ
Total RBC / RWA
13.70%
13th pctile · n=217↑ better
+6 bp QoQ
Tier 1 Leverage Ratio
12.49%
61th pctile · n=500↑ better
+6 bp QoQ

Liquidity

Cash / Assets
2.41%
24th pctile · n=500↑ better
-20 bp QoQ
Loans / Deposits
113.02%
98th pctile · n=493↓ better
+327 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.03%
29th pctile · n=500↓ better
NPA / Assets
0.02%
28th pctile · n=500↓ better
Texas Ratio (regulatory)
0.23%
29th pctile · n=500↓ better
Net Charge-Offs / Avg Loans
0.00%
46th pctile · n=500↓ better
ALLL Coverage of NPL
3852.38%
96th pctile · n=500↑ better

Earnings

Net Interest Margin
2.93%
13th pctile · n=500↑ better
-10 bp QoQ
Return on Assets
0.25%
13th pctile · n=500↑ better
-17 bp QoQ
Return on Equity
3.83%
20th pctile · n=500↑ better
-252 bp QoQ
Efficiency Ratio
89.53%
88th pctile · n=500↓ better
+713 bp QoQ
Pre-tax NOI / Avg Assets
0.33%
14th pctile · n=500↑ better
-21 bp QoQ

Funding

Brokered / Deposits
9.65%
91th pctile · n=493↓ better
+41 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
21.69%
99th pctile · n=500↓ better
+178 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
11.79%
30th pctile · n=500↑ better
-32 bp QoQ
AFS Securities / Assets
11.79%
38th pctile · n=500↑ better
-32 bp QoQ
HTM Securities / Assets
0.00%
36th pctile · n=500↑ better

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-13 06:20:25 UTC