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Young Americans Bank

IDRSSD: 67254
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
76
/ 100
StableAs of 2024-Q4QoQ -2

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 #67254 2024-Q4 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    Uninsured deposits above 50%
    Liquidity — Uninsured 97.5% of deposits (threshold 50%).
  2. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 13.33% of loans.
  3. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 4.00%.

What changed this quarter

Compared to Q3 2024:
↓ -2 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↑ +13
  • Asset Quality
    ↓ -19
  • Reserves
    — —

The five pillars

Liquidity

Strong
80
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 0.2%, cash 88.6% of assets.

Cash / Assets
88.62%
Loans / Deposits
0.16%
Brokered %
0.00%

Watch Items

  • riskUninsured deposits above 50% — Uninsured 97.5% of deposits (threshold 50%).

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 +13
100
Sub-score

Capital position is strong: Tier 1 RBC 252.60%, CET1 252.60%, leverage 9.95%.

Tier 1 RBC
252.60%
CET1
252.60%
Leverage
9.95%
No watch items at this period.

Asset Quality

RiskQoQ -19
22
Sub-score

Asset quality is weak: Adjusted NPL 4.00%, Texas Ratio 0.1%, NCO YTD 13.33%.

Adjusted NPL
4.00%
Govt-guarantees stripped
Texas Ratio
0.1%
NCO YTD
13.33%
30-89 PD
4.00%
Band 0.3% / 3.0%
90+ PD
4.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.00% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 4.00%.
  • riskNet charge-offs elevated — NCO YTD 13.33% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 10.71% of loans, coverage 300.0%, true coverage 300.0%.

ALLL / Loans
10.71%
Coverage
300.0%
True Loss Coverage
300.0%
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 04:17:49 UTC