Visbanking Logo
Skip to main content

Allnations Bank

IDRSSD: 146056
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
66
/ 100
StableAs of 2024-Q2QoQ -12

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

Quarterly Headline

2024-Q2

Bank #146056 2024-Q2 Vital Signs Score: 66/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 24.4% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 24.4% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 10.41% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2024:
↓ -12 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ -36
  • Reserves
    ↓ -6

The five pillars

Liquidity

StrongQoQ -3
82
Sub-score

Liquidity is strong: brokered 20.5%, loans/deposits 55.9%, cash 8.1% of assets.

Cash / Assets
8.11%
Loans / Deposits
55.86%
Brokered %
20.47%
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 -5
92
Sub-score

Capital position is strong: Tier 1 RBC 14.15%, CET1 14.15%, leverage 8.53%.

Tier 1 RBC
14.15%
CET1
14.15%
Leverage
8.53%
No watch items at this period.

Asset Quality

RiskQoQ -36
25
Sub-score

Asset quality is weak: Adjusted NPL 10.41%, Texas Ratio 54.1%, NCO YTD -0.50%.

Adjusted NPL
10.41%
Govt-guarantees stripped
Texas Ratio
54.1%
NCO YTD
-0.50%
30-89 PD
4.13%
Band 0.3% / 3.0%
90+ PD
4.85%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 10.41% (govt-guarantees stripped).
  • infoTexas Ratio above 50% — Texas Ratio 54.1% (industry watch band 50% / risk band 100%).
  • risk90+ days past due elevated — 90+ PD 4.85%.

Reserves

RiskQoQ -6
33
Sub-score

Reserves are weak: ALLL 2.48% of loans, coverage 24.4%, true coverage 24.4%.

ALLL / Loans
2.48%
Coverage
24.4%
True Loss Coverage
24.4%

Watch Items

  • riskALLL / NPL below 50% — Coverage 24.4% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 24.4% (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: 2026-05-13 16:19:36 UTC