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The American National Bank Of Texas

IDRSSD: 599764
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
91
/ 100
StrongAs of 2025-Q4QoQ +3

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 #599764 2025-Q4 Vital Signs Score: 91/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2025:
↑ +3 ptscomposite
  • Liquidity
    ↑ +18
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    — —
  • Reserves
    ↑ +2

The five pillars

Liquidity

StrongQoQ +18
98
Sub-score

Liquidity is strong: brokered 2.9%, loans/deposits 50.5%, cash 22.1% of assets.

Cash / Assets
22.12%
Loans / Deposits
50.51%
Brokered %
2.92%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.86%
No watch items at this period.

Capitalization

StableQoQ -3
72
Sub-score

Capital position is stable: Tier 1 RBC 11.90%, CET1 11.90%, leverage 8.56%.

Tier 1 RBC
11.90%
CET1
11.90%
Leverage
8.56%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.18%, Texas Ratio 1.1%, NCO YTD 0.02%.

Adjusted NPL
0.18%
Govt-guarantees stripped
Texas Ratio
1.1%
NCO YTD
0.02%
30-89 PD
0.28%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +2
91
Sub-score

Reserves are strong: ALLL 1.23% of loans, coverage 705.3%, true coverage 705.3%.

ALLL / Loans
1.23%
Coverage
705.3%
True Loss Coverage
705.3%
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: 2026-05-13 01:40:04 UTC