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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2025-Q4QoQ +1

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

Quarterly Headline

2025-Q4

Bank #3347911 2025-Q4 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 102.0% of deposits (threshold 50%).
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 109.2% (threshold 100%).
  3. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.39% of loans.

What changed this quarter

Compared to Q3 2025:
↑ +1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↑ 0
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -2
50
Sub-score

Liquidity is deteriorating: brokered 3.9%, loans/deposits 109.2%, cash 6.6% of assets.

Cash / Assets
6.63%
Loans / Deposits
109.24%
Brokered %
3.89%

Watch Items

  • riskUninsured deposits above 50% — Uninsured 102.0% of deposits (threshold 50%).
  • watchLoans / Deposits above 100% — Loans/Deposits 109.2% (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 +4
94
Sub-score

Capital position is strong: Tier 1 RBC 36.49%, CET1 36.49%, leverage 8.60%.

Tier 1 RBC
36.49%
CET1
36.49%
Leverage
8.60%
No watch items at this period.

Asset Quality

StrongQoQ 0
83
Sub-score

Asset quality is strong: Adjusted NPL 0.15%, Texas Ratio 1.5%, NCO YTD 0.00%.

Adjusted NPL
0.15%
Govt-guarantees stripped
Texas Ratio
1.5%
NCO YTD
0.00%
30-89 PD
5.40%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
67
Sub-score

Reserves are stable: ALLL 0.39% of loans, coverage 254.1%, true coverage 254.1%.

ALLL / Loans
0.39%
Coverage
254.1%
True Loss Coverage
254.1%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.39% 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