Liquidity
StrongQoQ +8
91
Sub-score
Liquidity is strong: brokered 1.5%, loans/deposits 56.5%, cash 6.5% of assets.
- Cash / Assets
- 6.51%
- Loans / Deposits
- 56.54%
- Brokered %
- 1.52%
No watch items at this period.
Bank Of Hindman
IDRSSD: 763211
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
89
/ 100
StrongAs of 2025-Q4QoQ +10
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 #763211 2025-Q4 Vital Signs Score: 89/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).
Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Stable
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q3 2025:
↑ +10 ptscomposite
- Liquidity↑ +8
- Securities— —
- Capitalization↓ -1
- Asset Quality↑ +11
- Reserves↑ +36
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 5.5% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 5.51%
SVB watch metric
No watch items at this period.
Capitalization
StrongQoQ -1
96
Sub-score
Capital position is strong: Tier 1 RBC 15.23%, CET1 15.23%, leverage 8.95%.
- Tier 1 RBC
- 15.23%
- CET1
- 15.23%
- Leverage
- 8.95%
No watch items at this period.
Asset Quality
StableQoQ +11
78
Sub-score
Asset quality is stable: Adjusted NPL 0.76%, Texas Ratio 3.6%, NCO YTD -0.01%.
- Adjusted NPL
- 0.76%
- Texas Ratio
- 3.6%
- NCO YTD
- -0.01%
- 30-89 PD
- 4.48%
- 90+ PD
- 0.43%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StableQoQ +36
80
Sub-score
Reserves are stable: ALLL 1.18% of loans, coverage 156.7%, true coverage 125.6%.
- ALLL / Loans
- 1.18%
- Coverage
- 156.7%
- True Loss Coverage
- 125.6%
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.tsfor 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