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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
89
/ 100
StrongAs of 2024-Q4QoQ +6

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

Quarterly Headline

2024-Q4

Bank #95051 2024-Q4 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 107.5% (threshold 100%).

What changed this quarter

Compared to Q3 2024:
↑ +6 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ +19
  • Asset Quality
    ↑ +4
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ 0
81
Sub-score

Liquidity is strong: brokered 1.0%, loans/deposits 107.5%, cash 15.4% of assets.

Cash / Assets
15.41%
Loans / Deposits
107.49%
Brokered %
1.01%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 107.5% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.74%
No watch items at this period.

Capitalization

StrongQoQ +19
93
Sub-score

Capital position is strong: Tier 1 RBC 15.71%, CET1 15.71%, leverage 8.29%.

Tier 1 RBC
15.71%
CET1
15.71%
Leverage
8.29%
No watch items at this period.

Asset Quality

StableQoQ +4
78
Sub-score

Asset quality is stable: Adjusted NPL 0.74%, Texas Ratio 5.4%, NCO YTD 0.79%.

Adjusted NPL
0.74%
Govt-guarantees stripped
Texas Ratio
5.4%
NCO YTD
0.79%
30-89 PD
1.78%
Band 0.3% / 3.0%
90+ PD
0.65%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.23% of loans, coverage 309.2%, true coverage 309.2%.

ALLL / Loans
2.23%
Coverage
309.2%
True Loss Coverage
309.2%
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