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Five Points Bank Of Hastings

IDRSSD: 386450
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2024-Q1QoQ +1

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

Quarterly Headline

2024-Q1

Bank #386450 2024-Q1 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.23% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↑ +1 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    ↑ +2
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -2
  • Reserves
    ↑ +6

The five pillars

Liquidity

StrongQoQ 0
81
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 54.0%, cash 1.2% of assets.

Cash / Assets
1.23%
Loans / Deposits
53.96%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.23% of assets (threshold 3%).

Securities

RiskQoQ +2
9
Sub-score

Securities profile is weak: securities 47.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
47.44%
No watch items at this period.

Capitalization

WatchQoQ +1
49
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.87%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.87%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ -2
98
Sub-score

Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD 0.00%.

Adjusted NPL
0.00%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
0.00%
30-89 PD
0.63%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +6
87
Sub-score

Reserves are strong: ALLL 1.11% of loans, coverage 45633.3%, true coverage 110.8%.

ALLL / Loans
1.11%
Coverage
45633.3%
True Loss Coverage
110.8%
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: 2026-05-14 19:10:36 UTC