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Alton Bank

IDRSSD: 881441
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2023-Q4QoQ -2

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

Quarterly Headline

2023-Q4

Bank #881441 2023-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2023:
↓ -2 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    ↑ +2
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -9
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +6
87
Sub-score

Liquidity is strong: brokered 2.0%, loans/deposits 57.1%, cash 4.6% of assets.

Cash / Assets
4.59%
Loans / Deposits
57.05%
Brokered %
2.02%
No watch items at this period.

Securities

StableQoQ +2
74
Sub-score

Securities profile is stable: securities 27.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
27.86%
No watch items at this period.

Capitalization

StableQoQ -3
65
Sub-score

Capital position is stable: Tier 1 RBC 10.82%, CET1 10.82%, leverage 8.29%.

Tier 1 RBC
10.82%
CET1
10.82%
Leverage
8.29%
No watch items at this period.

Asset Quality

StrongQoQ -9
91
Sub-score

Asset quality is strong: Adjusted NPL 0.75%, Texas Ratio 4.2%, NCO YTD 0.07%.

Adjusted NPL
0.75%
Govt-guarantees stripped
Texas Ratio
4.2%
NCO YTD
0.07%
30-89 PD
1.36%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
79
Sub-score

Reserves are stable: ALLL 1.16% of loans, coverage 155.8%, true coverage 155.8%.

ALLL / Loans
1.16%
Coverage
155.8%
True Loss Coverage
155.8%
No watch items at this period.

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 15:12:25 UTC