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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 — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2025-Q2QoQ +9

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

Quarterly Headline

2025-Q2

Bank #3347911 2025-Q2 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Uninsured deposits above 50%
    Liquidity — Uninsured 84.7% of deposits (threshold 50%).
  2. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.36% of loans.
  3. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.8% (threshold 100%).

What changed this quarter

Compared to Q1 2025:
↑ +9 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +6
  • Reserves
    ↑ +46

The five pillars

Liquidity

WatchQoQ +4
53
Sub-score

Liquidity is deteriorating: brokered 6.4%, loans/deposits 101.8%, cash 7.1% of assets.

Cash / Assets
7.12%
Loans / Deposits
101.83%
Brokered %
6.44%

Watch Items

  • riskUninsured deposits above 50% — Uninsured 84.7% of deposits (threshold 50%).
  • infoLoans / Deposits above 100% — Loans/Deposits 101.8% (threshold 100%).

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

StrongQoQ -1
91
Sub-score

Capital position is strong: Tier 1 RBC 32.61%, CET1 32.61%, leverage 7.74%.

Tier 1 RBC
32.61%
CET1
32.61%
Leverage
7.74%
No watch items at this period.

Asset Quality

StrongQoQ +6
83
Sub-score

Asset quality is strong: Adjusted NPL 0.11%, Texas Ratio 1.2%, NCO YTD -0.01%.

Adjusted NPL
0.11%
Govt-guarantees stripped
Texas Ratio
1.2%
NCO YTD
-0.01%
30-89 PD
4.80%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +46
67
Sub-score

Reserves are stable: ALLL 0.36% of loans, coverage 332.5%, true coverage 332.5%.

ALLL / Loans
0.36%
Coverage
332.5%
True Loss Coverage
332.5%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.36% 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