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All America Bank

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

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
68
/ 100
StableAs of 2025-Q1QoQ +1

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

Quarterly Headline

2025-Q1

Bank #25357 2025-Q1 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / NPL below 50%
    Reserves — Coverage 34.2% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 34.2% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.71% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ +2
74
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 86.8%, cash 2.1% of assets.

Cash / Assets
2.06%
Loans / Deposits
86.78%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.06% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.99%
No watch items at this period.

Capitalization

StrongQoQ +3
87
Sub-score

Capital position is strong: Tier 1 RBC 12.72%, CET1 12.72%, leverage 10.26%.

Tier 1 RBC
12.72%
CET1
12.72%
Leverage
10.26%
No watch items at this period.

Asset Quality

WatchQoQ +1
50
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.71%, Texas Ratio 25.9%, NCO YTD 1.21%.

Adjusted NPL
3.71%
Govt-guarantees stripped
Texas Ratio
25.9%
NCO YTD
1.21%
30-89 PD
1.72%
Band 0.3% / 3.0%
90+ PD
0.32%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.71% (govt-guarantees stripped).
  • infoNet charge-offs elevated — NCO YTD 1.21% of loans.

Reserves

RiskQoQ -1
27
Sub-score

Reserves are weak: ALLL 1.25% of loans, coverage 34.2%, true coverage 34.2%.

ALLL / Loans
1.25%
Coverage
34.2%
True Loss Coverage
34.2%

Watch Items

  • watchALLL / NPL below 50% — Coverage 34.2% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 34.2% (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