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One American Bank

IDRSSD: 95051
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2024-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

2024-Q1

Bank #95051 2024-Q1 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (strong).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.1% (threshold 100%).
  2. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.11% of loans.

What changed this quarter

Compared to Q4 2023:
↑ +1 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↑ +8
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ +4
83
Sub-score

Liquidity is strong: brokered 3.1%, loans/deposits 100.1%, cash 18.2% of assets.

Cash / Assets
18.22%
Loans / Deposits
100.12%
Brokered %
3.14%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.1% (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
86
Sub-score

Capital position is strong: Tier 1 RBC 14.76%, CET1 14.76%, leverage 7.49%.

Tier 1 RBC
14.76%
CET1
14.76%
Leverage
7.49%
No watch items at this period.

Asset Quality

StrongQoQ +8
82
Sub-score

Asset quality is strong: Adjusted NPL 0.58%, Texas Ratio 4.8%, NCO YTD 1.11%.

Adjusted NPL
0.58%
Govt-guarantees stripped
Texas Ratio
4.8%
NCO YTD
1.11%
30-89 PD
1.03%
Band 0.3% / 3.0%
90+ PD
0.48%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.11% of loans.

Reserves

StrongQoQ -1
89
Sub-score

Reserves are strong: ALLL 1.17% of loans, coverage 203.8%, true coverage 203.8%.

ALLL / Loans
1.17%
Coverage
203.8%
True Loss Coverage
203.8%
No watch items at this period.

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: 2026-05-15 05:06:32 UTC