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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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2026-Q1QoQ -1

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

Quarterly Headline

2026-Q1

Bank #3347911 2026-Q1 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 114.8% of deposits (threshold 50%).
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 112.5% (threshold 100%).
  3. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.42% of loans.

What changed this quarter

Compared to Q4 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    — —
  • Reserves
    — —

The five pillars

Liquidity

WatchQoQ -7
43
Sub-score

Liquidity is deteriorating: brokered 4.8%, loans/deposits 112.5%, cash 3.7% of assets.

Cash / Assets
3.73%
Loans / Deposits
112.49%
Brokered %
4.84%

Watch Items

  • riskUninsured deposits above 50% — Uninsured 114.8% of deposits (threshold 50%).
  • watchLoans / Deposits above 100% — Loans/Deposits 112.5% (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 +3
97
Sub-score

Capital position is strong: Tier 1 RBC 38.37%, CET1 38.37%, leverage 9.25%.

Tier 1 RBC
38.37%
CET1
38.37%
Leverage
9.25%
No watch items at this period.

Asset Quality

Strong
83
Sub-score

Asset quality is strong: Adjusted NPL 0.08%, Texas Ratio 0.7%, NCO YTD -0.01%.

Adjusted NPL
0.08%
Govt-guarantees stripped
Texas Ratio
0.7%
NCO YTD
-0.01%
30-89 PD
5.38%
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 0.42% of loans, coverage 519.2%, true coverage 519.2%.

ALLL / Loans
0.42%
Coverage
519.2%
True Loss Coverage
519.2%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.42% 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