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Alton Bank

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2025-Q3QoQ +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-Q3

Bank #881441 2025-Q3 Vital Signs Score: 78/100 — 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 Q2 2025:
↑ +1 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    ↑ +1
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -3
  • Reserves
    ↑ +10

The five pillars

Liquidity

StrongQoQ -3
86
Sub-score

Liquidity is strong: brokered 4.4%, loans/deposits 62.7%, cash 5.1% of assets.

Cash / Assets
5.10%
Loans / Deposits
62.67%
Brokered %
4.45%
No watch items at this period.

Securities

StableQoQ +1
79
Sub-score

Securities profile is stable: securities 26.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
26.16%
No watch items at this period.

Capitalization

WatchQoQ +1
56
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.75%, CET1 10.75%, leverage 8.19%.

Tier 1 RBC
10.75%
CET1
10.75%
Leverage
8.19%
No watch items at this period.

Asset Quality

StrongQoQ -3
94
Sub-score

Asset quality is strong: Adjusted NPL 0.45%, Texas Ratio 2.9%, NCO YTD -0.01%.

Adjusted NPL
0.45%
Govt-guarantees stripped
Texas Ratio
2.9%
NCO YTD
-0.01%
30-89 PD
1.22%
Band 0.3% / 3.0%
90+ PD
0.08%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +10
75
Sub-score

Reserves are stable: ALLL 0.84% of loans, coverage 186.9%, true coverage 186.9%.

ALLL / Loans
0.84%
Coverage
186.9%
True Loss Coverage
186.9%
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