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All America Bank

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
63
/ 100
StableAs of 2025-Q4QoQ -5

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

Quarterly Headline

2025-Q4

Bank #25357 2025-Q4 Vital Signs Score: 63/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 19.4% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 19.4% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.39% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ -5 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -14
  • Reserves
    ↓ -12

The five pillars

Liquidity

StableQoQ -1
74
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 87.5%, cash 2.4% of assets.

Cash / Assets
2.40%
Loans / Deposits
87.51%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.40% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.79%
No watch items at this period.

Capitalization

StrongQoQ +1
93
Sub-score

Capital position is strong: Tier 1 RBC 13.43%, CET1 13.43%, leverage 10.62%.

Tier 1 RBC
13.43%
CET1
13.43%
Leverage
10.62%
No watch items at this period.

Asset Quality

RiskQoQ -14
31
Sub-score

Asset quality is weak: Adjusted NPL 5.39%, Texas Ratio 36.5%, NCO YTD 1.81%.

Adjusted NPL
5.39%
Govt-guarantees stripped
Texas Ratio
36.5%
NCO YTD
1.81%
30-89 PD
2.87%
Band 0.3% / 3.0%
90+ PD
0.13%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.39% (govt-guarantees stripped).
  • watchNet charge-offs elevated — NCO YTD 1.81% of loans.

Reserves

RiskQoQ -12
18
Sub-score

Reserves are weak: ALLL 1.03% of loans, coverage 19.4%, true coverage 19.4%.

ALLL / Loans
1.03%
Coverage
19.4%
True Loss Coverage
19.4%

Watch Items

  • riskALLL / NPL below 50% — Coverage 19.4% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 19.4% (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