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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 — 2025-Q1

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

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2025-Q1QoQ +2

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 #229173 2025-Q1 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 111.9% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.79% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ +4

The five pillars

Liquidity

WatchQoQ +1
59
Sub-score

Liquidity is deteriorating: brokered 6.9%, loans/deposits 111.9%, cash 2.8% of assets.

Cash / Assets
2.79%
Loans / Deposits
111.93%
Brokered %
6.89%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 111.9% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.79% 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
73
Sub-score

Capital position is stable: Tier 1 RBC 12.17%, CET1 12.17%, leverage 7.99%.

Tier 1 RBC
12.17%
CET1
12.17%
Leverage
7.99%
No watch items at this period.

Asset Quality

StrongQoQ -1
97
Sub-score

Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD 0.00%.

Adjusted NPL
0.00%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
0.00%
30-89 PD
0.83%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +4
83
Sub-score

Reserves are strong: ALLL 0.99% of loans, coverage 80500.0%, true coverage 110.0%.

ALLL / Loans
0.99%
Coverage
80500.0%
True Loss Coverage
110.0%
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