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The Atlanta National Bank

IDRSSD: 672238
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
82
/ 100
StrongAs of 2025-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

2025-Q4

Bank #672238 2025-Q4 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.46% of loans.
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.73% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -6 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -12
  • Reserves
    ↓ -25

The five pillars

Liquidity

StrongQoQ +2
96
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 53.0%, cash 8.1% of assets.

Cash / Assets
8.06%
Loans / Deposits
52.99%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 11.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
11.41%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 20.82%, CET1 20.82%, leverage 11.87%.

Tier 1 RBC
20.82%
CET1
20.82%
Leverage
11.87%
No watch items at this period.

Asset Quality

StableQoQ -12
70
Sub-score

Asset quality is stable: Adjusted NPL 1.02%, Texas Ratio 3.7%, NCO YTD 1.46%.

Adjusted NPL
1.02%
Govt-guarantees stripped
Texas Ratio
3.7%
NCO YTD
1.46%
30-89 PD
1.61%
Band 0.3% / 3.0%
90+ PD
0.67%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.46% of loans.

Reserves

RiskQoQ -25
33
Sub-score

Reserves are weak: ALLL 0.73% of loans, coverage 72.0%, true coverage 72.0%.

ALLL / Loans
0.73%
Coverage
72.0%
True Loss Coverage
72.0%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.73% 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: 2026-05-13 14:10:12 UTC