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Alton Bank

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2026-Q1QoQ +5

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

Quarterly Headline

2026-Q1

Bank #881441 2026-Q1 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.64% of loans.

What changed this quarter

Compared to Q4 2025:
↑ +5 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    ↑ +5
  • Capitalization
    ↓ -6
  • Asset Quality
    ↑ +9
  • Reserves
    ↑ +28

The five pillars

Liquidity

StrongQoQ -4
84
Sub-score

Liquidity is strong: brokered 4.0%, loans/deposits 66.3%, cash 3.9% of assets.

Cash / Assets
3.87%
Loans / Deposits
66.25%
Brokered %
4.03%
No watch items at this period.

Securities

StrongQoQ +5
87
Sub-score

Securities profile is strong: securities 23.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
23.92%
No watch items at this period.

Capitalization

WatchQoQ -6
48
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.00%, CET1 10.00%, leverage 8.16%.

Tier 1 RBC
10.00%
CET1
10.00%
Leverage
8.16%
No watch items at this period.

Asset Quality

StrongQoQ +9
93
Sub-score

Asset quality is strong: Adjusted NPL 0.29%, Texas Ratio 2.0%, NCO YTD 0.07%.

Adjusted NPL
0.29%
Govt-guarantees stripped
Texas Ratio
2.0%
NCO YTD
0.07%
30-89 PD
1.40%
Band 0.3% / 3.0%
90+ PD
0.06%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +28
71
Sub-score

Reserves are stable: ALLL 0.64% of loans, coverage 221.9%, true coverage 221.9%.

ALLL / Loans
0.64%
Coverage
221.9%
True Loss Coverage
221.9%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.64% 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