Visbanking Logo
Skip to main content

Bankhometown

IDRSSD: 1004470
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
79
/ 100
StableAs of 2025-Q4QoQ -14

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 #1004470 2025-Q4 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.64% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ -14 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -19
  • Reserves
    ↓ -46

The five pillars

Liquidity

StableQoQ -4
74
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 95.2%, cash 3.8% of assets.

Cash / Assets
3.77%
Loans / Deposits
95.17%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.51%
No watch items at this period.

Capitalization

StrongQoQ -4
96
Sub-score

Capital position is strong: Tier 1 RBC 13.85%, CET1 13.85%, leverage 11.07%.

Tier 1 RBC
13.85%
CET1
13.85%
Leverage
11.07%
No watch items at this period.

Asset Quality

StrongQoQ -19
81
Sub-score

Asset quality is strong: Adjusted NPL 2.64%, Texas Ratio 17.3%, NCO YTD 0.00%.

Adjusted NPL
2.64%
Govt-guarantees stripped
Texas Ratio
17.3%
NCO YTD
0.00%
30-89 PD
0.03%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.64% (govt-guarantees stripped).

Reserves

RiskQoQ -46
37
Sub-score

Reserves are weak: ALLL 1.32% of loans, coverage 50.6%, true coverage 50.6%.

ALLL / Loans
1.32%
Coverage
50.6%
True Loss Coverage
50.6%
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.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 04:03:53 UTC