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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2024-Q3QoQ -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-Q3

Bank #25357 2024-Q3 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / NPL below 50%
    Reserves — Coverage 38.9% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 38.9% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.47% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ -8
  • Securities
    — —
  • Capitalization
    ↑ +7
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -3

The five pillars

Liquidity

StrongQoQ -8
80
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 88.9%, cash 5.3% of assets.

Cash / Assets
5.27%
Loans / Deposits
88.85%
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

StrongQoQ +7
84
Sub-score

Capital position is strong: Tier 1 RBC 12.44%, CET1 12.44%, leverage 10.30%.

Tier 1 RBC
12.44%
CET1
12.44%
Leverage
10.30%
No watch items at this period.

Asset Quality

WatchQoQ -5
52
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.47%, Texas Ratio 24.0%, NCO YTD 0.56%.

Adjusted NPL
3.47%
Govt-guarantees stripped
Texas Ratio
24.0%
NCO YTD
0.56%
30-89 PD
2.51%
Band 0.3% / 3.0%
90+ PD
0.35%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.47% (govt-guarantees stripped).

Reserves

RiskQoQ -3
32
Sub-score

Reserves are weak: ALLL 1.33% of loans, coverage 38.9%, true coverage 38.9%.

ALLL / Loans
1.33%
Coverage
38.9%
True Loss Coverage
38.9%

Watch Items

  • watchALLL / NPL below 50% — Coverage 38.9% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 38.9% (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