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Haddon Savings Bank

IDRSSD: 1008076
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
83
/ 100
StrongAs of 2025-Q4QoQ -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-Q4

Bank #1008076 2025-Q4 Vital Signs Score: 83/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.54% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -6
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ -2
70
Sub-score

Liquidity is stable: brokered 26.1%, loans/deposits 72.0%, cash 4.6% of assets.

Cash / Assets
4.58%
Loans / Deposits
71.96%
Brokered %
26.05%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.16%
No watch items at this period.

Capitalization

StrongQoQ -4
87
Sub-score

Capital position is strong: Tier 1 RBC 13.68%, CET1 13.68%, leverage 8.70%.

Tier 1 RBC
13.68%
CET1
13.68%
Leverage
8.70%
No watch items at this period.

Asset Quality

StrongQoQ -6
89
Sub-score

Asset quality is strong: Adjusted NPL 0.18%, Texas Ratio 1.3%, NCO YTD 0.09%.

Adjusted NPL
0.18%
Govt-guarantees stripped
Texas Ratio
1.3%
NCO YTD
0.09%
30-89 PD
2.04%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ 0
68
Sub-score

Reserves are stable: ALLL 0.54% of loans, coverage 295.3%, true coverage 179.5%.

ALLL / Loans
0.54%
Coverage
295.3%
True Loss Coverage
179.5%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.54% of loans.

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 06:17:46 UTC