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Allnations Bank

IDRSSD: 146056
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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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
70
/ 100
StableAs of 2024-Q3QoQ +4

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 #146056 2024-Q3 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 22.5% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 22.5% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 11.54% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↑ +4 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +15
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +1
83
Sub-score

Liquidity is strong: brokered 19.9%, loans/deposits 60.6%, cash 8.4% of assets.

Cash / Assets
8.37%
Loans / Deposits
60.65%
Brokered %
19.91%
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 +2
93
Sub-score

Capital position is strong: Tier 1 RBC 14.44%, CET1 14.44%, leverage 8.67%.

Tier 1 RBC
14.44%
CET1
14.44%
Leverage
8.67%
No watch items at this period.

Asset Quality

RiskQoQ +15
40
Sub-score

Asset quality is weak: Adjusted NPL 11.54%, Texas Ratio 62.0%, NCO YTD -0.28%.

Adjusted NPL
11.54%
Govt-guarantees stripped
Texas Ratio
62.0%
NCO YTD
-0.28%
30-89 PD
0.39%
Band 0.3% / 3.0%
90+ PD
3.87%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 11.54% (govt-guarantees stripped).
  • infoTexas Ratio above 50% — Texas Ratio 62.0% (industry watch band 50% / risk band 100%).
  • risk90+ days past due elevated — 90+ PD 3.87%.

Reserves

Risk
33
Sub-score

Reserves are weak: ALLL 2.53% of loans, coverage 22.5%, true coverage 22.5%.

ALLL / Loans
2.53%
Coverage
22.5%
True Loss Coverage
22.5%

Watch Items

  • riskALLL / NPL below 50% — Coverage 22.5% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 22.5% (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