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Alliant Bank

IDRSSD: 35057
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2024-Q4QoQ -16

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

Quarterly Headline

2024-Q4

Bank #35057 2024-Q4 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    ALLL / NPL below 50%
    Reserves — Coverage 41.0% (regulatory soft-warning level 50%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 41.0% (Adjusted NPL + Performing Mods denominator).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.94% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↓ -16 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -23
  • Reserves
    ↓ -60

The five pillars

Liquidity

StrongQoQ -4
89
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 88.4%, cash 9.0% of assets.

Cash / Assets
8.96%
Loans / Deposits
88.37%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.59%
No watch items at this period.

Capitalization

StrongQoQ -3
84
Sub-score

Capital position is strong: Tier 1 RBC 12.85%, CET1 12.85%, leverage 8.97%.

Tier 1 RBC
12.85%
CET1
12.85%
Leverage
8.97%
No watch items at this period.

Asset Quality

StableQoQ -23
77
Sub-score

Asset quality is stable: Adjusted NPL 2.94%, Texas Ratio 23.6%, NCO YTD 0.04%.

Adjusted NPL
2.94%
Govt-guarantees stripped
Texas Ratio
23.6%
NCO YTD
0.04%
30-89 PD
0.27%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.94% (govt-guarantees stripped).

Reserves

RiskQoQ -60
28
Sub-score

Reserves are weak: ALLL 1.19% of loans, coverage 41.0%, true coverage 41.0%.

ALLL / Loans
1.19%
Coverage
41.0%
True Loss Coverage
41.0%

Watch Items

  • infoALLL / NPL below 50% — Coverage 41.0% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 41.0% (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 03:39:21 UTC