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Alliance Bank Central Texas

IDRSSD: 601658
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
79
/ 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 #601658 2024-Q3 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.13% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ +9
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ 0
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ +9
72
Sub-score

Liquidity is stable: brokered 0.7%, loans/deposits 96.4%, cash 3.7% of assets.

Cash / Assets
3.67%
Loans / Deposits
96.38%
Brokered %
0.72%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ 0
96
Sub-score

Capital position is strong: Tier 1 RBC 13.92%, CET1 13.92%, leverage 12.23%.

Tier 1 RBC
13.92%
CET1
13.92%
Leverage
12.23%
No watch items at this period.

Asset Quality

StrongQoQ 0
85
Sub-score

Asset quality is strong: Adjusted NPL 2.13%, Texas Ratio 13.6%, NCO YTD 0.00%.

Adjusted NPL
2.13%
Govt-guarantees stripped
Texas Ratio
13.6%
NCO YTD
0.00%
30-89 PD
0.40%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.13% (govt-guarantees stripped).

Reserves

RiskQoQ +1
32
Sub-score

Reserves are weak: ALLL 1.11% of loans, coverage 52.5%, true coverage 52.5%.

ALLL / Loans
1.11%
Coverage
52.5%
True Loss Coverage
52.5%
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: 2026-05-15 01:20:35 UTC