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Alton Bank

IDRSSD: 881441
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
77
/ 100
StableAs of 2025-Q2QoQ +1

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 #881441 2025-Q2 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Capitalization (watch).

Liquidity:Strong
Securities:Stable
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 Q1 2025:
↑ +1 ptscomposite
  • Liquidity
    ↓ -10
  • Securities
    ↓ -10
  • Capitalization
    ↑ +10
  • Asset Quality
    ↑ +9
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ -10
89
Sub-score

Liquidity is strong: brokered 1.3%, loans/deposits 61.7%, cash 5.3% of assets.

Cash / Assets
5.28%
Loans / Deposits
61.72%
Brokered %
1.27%
No watch items at this period.

Securities

StableQoQ -10
79
Sub-score

Securities profile is stable: securities 26.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
26.43%
No watch items at this period.

Capitalization

WatchQoQ +10
56
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.76%, CET1 10.76%, leverage 7.98%.

Tier 1 RBC
10.76%
CET1
10.76%
Leverage
7.98%
No watch items at this period.

Asset Quality

StrongQoQ +9
97
Sub-score

Asset quality is strong: Adjusted NPL 0.62%, Texas Ratio 3.9%, NCO YTD 0.10%.

Adjusted NPL
0.62%
Govt-guarantees stripped
Texas Ratio
3.9%
NCO YTD
0.10%
30-89 PD
0.44%
Band 0.3% / 3.0%
90+ PD
0.22%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +1
65
Sub-score

Reserves are stable: ALLL 0.86% of loans, coverage 140.1%, true coverage 140.1%.

ALLL / Loans
0.86%
Coverage
140.1%
True Loss Coverage
140.1%
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