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Alliance Community Bank

IDRSSD: 924937
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
91
/ 100
StrongAs of 2024-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

2024-Q1

Bank #924937 2024-Q1 Vital Signs Score: 91/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (strong).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2023:
↑ +1 ptscomposite
  • Liquidity
    ↑ +9
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ 0

The five pillars

Liquidity

StrongQoQ +9
87
Sub-score

Liquidity is strong: brokered 3.5%, loans/deposits 62.6%, cash 5.3% of assets.

Cash / Assets
5.35%
Loans / Deposits
62.58%
Brokered %
3.47%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.61%
No watch items at this period.

Capitalization

StrongQoQ -1
86
Sub-score

Capital position is strong: Tier 1 RBC 13.14%, CET1 13.14%, leverage 8.22%.

Tier 1 RBC
13.14%
CET1
13.14%
Leverage
8.22%
No watch items at this period.

Asset Quality

StrongQoQ -1
96
Sub-score

Asset quality is strong: Adjusted NPL 0.33%, Texas Ratio 2.2%, NCO YTD 0.01%.

Adjusted NPL
0.33%
Govt-guarantees stripped
Texas Ratio
2.2%
NCO YTD
0.01%
30-89 PD
0.93%
Band 0.3% / 3.0%
90+ PD
0.14%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ 0
85
Sub-score

Reserves are strong: ALLL 1.04% of loans, coverage 313.8%, true coverage 179.3%.

ALLL / Loans
1.04%
Coverage
313.8%
True Loss Coverage
179.3%
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: 2026-05-14 23:56:33 UTC