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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2025-Q3QoQ 0

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

Quarterly Headline

2025-Q3

Bank #3347911 2025-Q3 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 95.7% of deposits (threshold 50%).
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 108.4% (threshold 100%).
  3. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.37% of loans.

What changed this quarter

Compared to Q2 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ 0
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -1
52
Sub-score

Liquidity is deteriorating: brokered 2.1%, loans/deposits 108.4%, cash 6.6% of assets.

Cash / Assets
6.64%
Loans / Deposits
108.42%
Brokered %
2.06%

Watch Items

  • riskUninsured deposits above 50% — Uninsured 95.7% of deposits (threshold 50%).
  • watchLoans / Deposits above 100% — Loans/Deposits 108.4% (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 0
91
Sub-score

Capital position is strong: Tier 1 RBC 36.54%, CET1 36.54%, leverage 7.73%.

Tier 1 RBC
36.54%
CET1
36.54%
Leverage
7.73%
No watch items at this period.

Asset Quality

StrongQoQ 0
83
Sub-score

Asset quality is strong: Adjusted NPL 0.19%, Texas Ratio 2.0%, NCO YTD -0.01%.

Adjusted NPL
0.19%
Govt-guarantees stripped
Texas Ratio
2.0%
NCO YTD
-0.01%
30-89 PD
7.84%
Band 0.3% / 3.0%
90+ PD
0.12%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
67
Sub-score

Reserves are stable: ALLL 0.37% of loans, coverage 201.1%, true coverage 201.1%.

ALLL / Loans
0.37%
Coverage
201.1%
True Loss Coverage
201.1%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.37% 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