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Alton Bank

IDRSSD: 881441
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
71
/ 100
StableAs of 2025-Q4QoQ -7

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 #881441 2025-Q4 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.68% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -7 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    ↑ +2
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -10
  • Reserves
    ↓ -32

The five pillars

Liquidity

StrongQoQ +1
87
Sub-score

Liquidity is strong: brokered 2.6%, loans/deposits 63.5%, cash 5.1% of assets.

Cash / Assets
5.13%
Loans / Deposits
63.52%
Brokered %
2.58%
No watch items at this period.

Securities

StrongQoQ +2
82
Sub-score

Securities profile is strong: securities 25.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
25.51%
No watch items at this period.

Capitalization

WatchQoQ -3
53
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.51%, CET1 10.51%, leverage 8.21%.

Tier 1 RBC
10.51%
CET1
10.51%
Leverage
8.21%
No watch items at this period.

Asset Quality

StrongQoQ -10
85
Sub-score

Asset quality is strong: Adjusted NPL 0.77%, Texas Ratio 5.0%, NCO YTD 0.48%.

Adjusted NPL
0.77%
Govt-guarantees stripped
Texas Ratio
5.0%
NCO YTD
0.48%
30-89 PD
1.43%
Band 0.3% / 3.0%
90+ PD
0.38%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -32
43
Sub-score

Reserves are deteriorating: ALLL 0.68% of loans, coverage 89.0%, true coverage 89.0%.

ALLL / Loans
0.68%
Coverage
89.0%
True Loss Coverage
89.0%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.68% of loans.

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