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Bank Of Hindman

IDRSSD: 763211
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2024-Q2QoQ -3

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

Quarterly Headline

2024-Q2

Bank #763211 2024-Q2 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.22%.

What changed this quarter

Compared to Q1 2024:
↓ -3 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -15

The five pillars

Liquidity

StrongQoQ +2
85
Sub-score

Liquidity is strong: brokered 2.9%, loans/deposits 53.5%, cash 4.0% of assets.

Cash / Assets
4.04%
Loans / Deposits
53.53%
Brokered %
2.87%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.84%
No watch items at this period.

Capitalization

StrongQoQ +2
95
Sub-score

Capital position is strong: Tier 1 RBC 15.16%, CET1 15.16%, leverage 8.85%.

Tier 1 RBC
15.16%
CET1
15.16%
Leverage
8.85%
No watch items at this period.

Asset Quality

StableQoQ -8
70
Sub-score

Asset quality is stable: Adjusted NPL 1.68%, Texas Ratio 7.5%, NCO YTD 0.03%.

Adjusted NPL
1.68%
Govt-guarantees stripped
Texas Ratio
7.5%
NCO YTD
0.03%
30-89 PD
1.94%
Band 0.3% / 3.0%
90+ PD
1.22%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.22%.

Reserves

WatchQoQ -15
50
Sub-score

Reserves are deteriorating: ALLL 1.29% of loans, coverage 77.5%, true coverage 67.4%.

ALLL / Loans
1.29%
Coverage
77.5%
True Loss Coverage
67.4%
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: 2026-05-13 06:45:06 UTC