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All America Bank

IDRSSD: 25357
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
75
/ 100
StableAs of 2024-Q1QoQ 0

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 #25357 2024-Q1 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.85% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↑ 0 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -2
  • Reserves
    ↑ +3

The five pillars

Liquidity

StableQoQ +1
72
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 89.9%, cash 1.9% of assets.

Cash / Assets
1.85%
Loans / Deposits
89.87%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.85% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.30%
No watch items at this period.

Capitalization

StrongQoQ -1
80
Sub-score

Capital position is strong: Tier 1 RBC 11.49%, CET1 11.49%, leverage 9.86%.

Tier 1 RBC
11.49%
CET1
11.49%
Leverage
9.86%
No watch items at this period.

Asset Quality

StableQoQ -2
73
Sub-score

Asset quality is stable: Adjusted NPL 1.70%, Texas Ratio 12.9%, NCO YTD 0.63%.

Adjusted NPL
1.70%
Govt-guarantees stripped
Texas Ratio
12.9%
NCO YTD
0.63%
30-89 PD
2.08%
Band 0.3% / 3.0%
90+ PD
0.11%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +3
46
Sub-score

Reserves are deteriorating: ALLL 1.18% of loans, coverage 70.0%, true coverage 70.0%.

ALLL / Loans
1.18%
Coverage
70.0%
True Loss Coverage
70.0%
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: 2026-05-14 02:30:17 UTC