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Alton Bank

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

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2025-Q1QoQ 0

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

Quarterly Headline

2025-Q1

Bank #881441 2025-Q1 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Capitalization (watch).

Liquidity:Strong
Securities:Strong
Capitalization:Watch
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 Q4 2024:
↓ 0 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    ↑ +4
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ -2
  • Reserves
    ↑ +3

The five pillars

Liquidity

StrongQoQ +4
99
Sub-score

Liquidity is strong: brokered 1.7%, loans/deposits 56.3%, cash 13.5% of assets.

Cash / Assets
13.48%
Loans / Deposits
56.25%
Brokered %
1.69%
No watch items at this period.

Securities

StrongQoQ +4
89
Sub-score

Securities profile is strong: securities 23.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
23.29%
No watch items at this period.

Capitalization

WatchQoQ -5
46
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.04%, CET1 10.04%, leverage 7.43%.

Tier 1 RBC
10.04%
CET1
10.04%
Leverage
7.43%
No watch items at this period.

Asset Quality

StrongQoQ -2
88
Sub-score

Asset quality is strong: Adjusted NPL 0.72%, Texas Ratio 4.5%, NCO YTD 0.06%.

Adjusted NPL
0.72%
Govt-guarantees stripped
Texas Ratio
4.5%
NCO YTD
0.06%
30-89 PD
1.76%
Band 0.3% / 3.0%
90+ PD
0.20%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +3
64
Sub-score

Reserves are stable: ALLL 0.91% of loans, coverage 126.6%, true coverage 126.6%.

ALLL / Loans
0.91%
Coverage
126.6%
True Loss Coverage
126.6%
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