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Austin Capital Bank Ssb

IDRSSD: 3347911
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
83
/ 100
StrongAs of 2023-Q4QoQ -10

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

Quarterly Headline

2023-Q4

Bank #3347911 2023-Q4 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. risk
    Uninsured deposits above 50%
    Liquidity — Uninsured 120.8% of deposits (threshold 50%).
  2. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.45% of loans.

What changed this quarter

Compared to Q3 2023:
↓ -10 ptscomposite
  • Liquidity
    ↓ -9
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -17
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -9
62
Sub-score

Liquidity is stable: brokered 8.0%, loans/deposits 96.0%, cash 13.0% of assets.

Cash / Assets
13.00%
Loans / Deposits
96.01%
Brokered %
7.99%

Watch Items

  • riskUninsured deposits above 50% — Uninsured 120.8% of deposits (threshold 50%).

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

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 55.74%, CET1 55.74%, leverage 11.07%.

Tier 1 RBC
55.74%
CET1
55.74%
Leverage
11.07%
No watch items at this period.

Asset Quality

StrongQoQ -17
83
Sub-score

Asset quality is strong: Adjusted NPL 0.05%, Texas Ratio 0.4%, NCO YTD -0.02%.

Adjusted NPL
0.05%
Govt-guarantees stripped
Texas Ratio
0.4%
NCO YTD
-0.02%
30-89 PD
5.42%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
67
Sub-score

Reserves are stable: ALLL 0.45% of loans, coverage 862.4%, true coverage 862.4%.

ALLL / Loans
0.45%
Coverage
862.4%
True Loss Coverage
862.4%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.45% 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: 2026-05-14 06:42:04 UTC