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Allnations Bank

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
64
/ 100
StableAs of 2025-Q4QoQ -5

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

Quarterly Headline

2025-Q4

Bank #146056 2025-Q4 Vital Signs Score: 64/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 21.1% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 21.1% (Adjusted NPL + Performing Mods denominator).
  3. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 9.06% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ -5 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -22
  • Asset Quality
    ↑ +7
  • Reserves
    ↓ -3

The five pillars

Liquidity

StableQoQ -3
67
Sub-score

Liquidity is stable: brokered 23.5%, loans/deposits 70.9%, cash 2.4% of assets.

Cash / Assets
2.38%
Loans / Deposits
70.86%
Brokered %
23.51%

Watch Items

  • infoCash / Assets below 3% — Cash 2.38% 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

StableQoQ -22
71
Sub-score

Capital position is stable: Tier 1 RBC 11.89%, CET1 11.89%, leverage 8.32%.

Tier 1 RBC
11.89%
CET1
11.89%
Leverage
8.32%
No watch items at this period.

Asset Quality

WatchQoQ +7
52
Sub-score

Asset quality is deteriorating: Adjusted NPL 9.06%, Texas Ratio 59.4%, NCO YTD 0.69%.

Adjusted NPL
9.06%
Govt-guarantees stripped
Texas Ratio
59.4%
NCO YTD
0.69%
30-89 PD
0.11%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 9.06% (govt-guarantees stripped).
  • infoTexas Ratio above 50% — Texas Ratio 59.4% (industry watch band 50% / risk band 100%).

Reserves

RiskQoQ -3
33
Sub-score

Reserves are weak: ALLL 1.87% of loans, coverage 21.1%, true coverage 21.1%.

ALLL / Loans
1.87%
Coverage
21.1%
True Loss Coverage
21.1%

Watch Items

  • riskALLL / NPL below 50% — Coverage 21.1% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 21.1% (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