Visbanking Logo
Skip to main content

All America Bank

IDRSSD: 25357
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2024-Q2QoQ -3

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

Quarterly Headline

2024-Q2

Bank #25357 2024-Q2 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    ALLL / NPL below 50%
    Reserves — Coverage 46.7% (regulatory soft-warning level 50%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 46.7% (Adjusted NPL + Performing Mods denominator).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.87% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2024:
↓ -3 ptscomposite
  • Liquidity
    ↑ +16
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -16
  • Reserves
    ↓ -11

The five pillars

Liquidity

StrongQoQ +16
88
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 88.4%, cash 8.9% of assets.

Cash / Assets
8.90%
Loans / Deposits
88.36%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.27%
No watch items at this period.

Capitalization

StableQoQ -3
77
Sub-score

Capital position is stable: Tier 1 RBC 11.83%, CET1 11.83%, leverage 9.86%.

Tier 1 RBC
11.83%
CET1
11.83%
Leverage
9.86%
No watch items at this period.

Asset Quality

WatchQoQ -16
57
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.87%, Texas Ratio 20.5%, NCO YTD 0.37%.

Adjusted NPL
2.87%
Govt-guarantees stripped
Texas Ratio
20.5%
NCO YTD
0.37%
30-89 PD
3.07%
Band 0.3% / 3.0%
90+ PD
0.28%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.87% (govt-guarantees stripped).

Reserves

RiskQoQ -11
35
Sub-score

Reserves are weak: ALLL 1.32% of loans, coverage 46.7%, true coverage 46.7%.

ALLL / Loans
1.32%
Coverage
46.7%
True Loss Coverage
46.7%

Watch Items

  • infoALLL / NPL below 50% — Coverage 46.7% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 46.7% (Adjusted NPL + Performing Mods denominator).

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