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Auburn Savings Bank Fsb

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

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2024-Q4QoQ -2

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

Quarterly Headline

2024-Q4

Bank #229173 2024-Q4 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 110.4% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.47% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ 0

The five pillars

Liquidity

WatchQoQ -4
59
Sub-score

Liquidity is deteriorating: brokered 6.7%, loans/deposits 110.4%, cash 2.5% of assets.

Cash / Assets
2.47%
Loans / Deposits
110.37%
Brokered %
6.67%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 110.4% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.47% 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

StableQoQ -4
68
Sub-score

Capital position is stable: Tier 1 RBC 11.83%, CET1 11.83%, leverage 7.82%.

Tier 1 RBC
11.83%
CET1
11.83%
Leverage
7.82%
No watch items at this period.

Asset Quality

StrongQoQ -2
98
Sub-score

Asset quality is strong: Adjusted NPL 0.17%, Texas Ratio 1.5%, NCO YTD 0.00%.

Adjusted NPL
0.17%
Govt-guarantees stripped
Texas Ratio
1.5%
NCO YTD
0.00%
30-89 PD
0.60%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ 0
78
Sub-score

Reserves are stable: ALLL 0.97% of loans, coverage 587.6%, true coverage 91.8%.

ALLL / Loans
0.97%
Coverage
587.6%
True Loss Coverage
91.8%
No watch items at this period.

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 06:19:45 UTC