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Bank Of Hindman

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

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2025-Q1QoQ -3

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

Quarterly Headline

2025-Q1

Bank #763211 2025-Q1 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.31%.
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.22% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2024:
↓ -3 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -11

The five pillars

Liquidity

StrongQoQ +4
88
Sub-score

Liquidity is strong: brokered 2.0%, loans/deposits 56.6%, cash 5.4% of assets.

Cash / Assets
5.38%
Loans / Deposits
56.56%
Brokered %
1.98%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.38%
No watch items at this period.

Capitalization

StrongQoQ 0
96
Sub-score

Capital position is strong: Tier 1 RBC 15.20%, CET1 15.20%, leverage 8.98%.

Tier 1 RBC
15.20%
CET1
15.20%
Leverage
8.98%
No watch items at this period.

Asset Quality

WatchQoQ -8
58
Sub-score

Asset quality is deteriorating: Adjusted NPL 2.22%, Texas Ratio 10.3%, NCO YTD 0.01%.

Adjusted NPL
2.22%
Govt-guarantees stripped
Texas Ratio
10.3%
NCO YTD
0.01%
30-89 PD
3.78%
Band 0.3% / 3.0%
90+ PD
1.31%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.22% (govt-guarantees stripped).
  • info90+ days past due elevated — 90+ PD 1.31%.

Reserves

RiskQoQ -11
34
Sub-score

Reserves are weak: ALLL 1.21% of loans, coverage 55.1%, true coverage 50.4%.

ALLL / Loans
1.21%
Coverage
55.1%
True Loss Coverage
50.4%
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