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Allnations Bank

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

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2025-Q2QoQ -2

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

Quarterly Headline

2025-Q2

Bank #146056 2025-Q2 Vital Signs Score: 69/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 6.63% (govt-guarantees stripped).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 35.0% (regulatory soft-warning level 50%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 35.0% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -4

The five pillars

Liquidity

StableQoQ -3
70
Sub-score

Liquidity is stable: brokered 19.9%, loans/deposits 59.5%, cash 2.3% of assets.

Cash / Assets
2.33%
Loans / Deposits
59.48%
Brokered %
19.90%

Watch Items

  • infoCash / Assets below 3% — Cash 2.33% of assets (threshold 3%).

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 +1
94
Sub-score

Capital position is strong: Tier 1 RBC 15.00%, CET1 15.00%, leverage 8.52%.

Tier 1 RBC
15.00%
CET1
15.00%
Leverage
8.52%
No watch items at this period.

Asset Quality

WatchQoQ -6
45
Sub-score

Asset quality is deteriorating: Adjusted NPL 6.63%, Texas Ratio 36.5%, NCO YTD 0.00%.

Adjusted NPL
6.63%
Govt-guarantees stripped
Texas Ratio
36.5%
NCO YTD
0.00%
30-89 PD
0.13%
Band 0.3% / 3.0%
90+ PD
2.05%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 6.63% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.05%.

Reserves

RiskQoQ -4
36
Sub-score

Reserves are weak: ALLL 2.27% of loans, coverage 35.0%, true coverage 35.0%.

ALLL / Loans
2.27%
Coverage
35.0%
True Loss Coverage
35.0%

Watch Items

  • watchALLL / NPL below 50% — Coverage 35.0% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 35.0% (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: 2026-05-13 16:19:36 UTC