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Hanover Community Bank

IDRSSD: 3793714
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 2 alerts active.

Summary

RSSD 3793714 held $2.4B in total assets as of 2026-03-31 (-0.5% quarter-over-quarter). Total loans stood at $2.0B (+0.1% QoQ) and total deposits at $2.1B (+1.1% QoQ).

Overall position is weak — the composite Health Score is 30/100 (Weak). Tier 1 / RWA stands at 13.32%, in the below median of peers. Asset quality (NPL ratio) sits in the bottom quartile of peers.

2 Quarterly Anomaly Alerts fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
30/100
Weak
Active Alerts
2
0 critical, 1 warning
Total Assets
$2.4B
-0.5% QoQ
Total Loans
$2.0B
+0.1% QoQ
Total Deposits
$2.1B
+1.1% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
13.32%
46th pctile · n=384↑ better
+42 bp QoQ
CET1 / RWA
13.32%
60th pctile · n=500↑ better
+42 bp QoQ
Total RBC / RWA
14.57%
47th pctile · n=384↑ better
+42 bp QoQ
Tier 1 Leverage Ratio
13.32%
59th pctile · n=500↑ better
+42 bp QoQ

Liquidity

Cash / Assets
8.21%
68th pctile · n=500↑ better
-56 bp QoQ
Loans / Deposits
96.99%
81th pctile · n=498↓ better
-103 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
1.22%
80th pctile · n=500↓ better
+15 bp QoQ
NPA / Assets
1.07%
82th pctile · n=500↓ better
+13 bp QoQ
Texas Ratio (regulatory)
11.00%
86th pctile · n=500↓ better
+103 bp QoQ
Net Charge-Offs / Avg Loans
0.01%
45th pctile · n=500↓ better
-190 bp QoQ
ALLL Coverage of NPL
77.89%
16th pctile · n=500↑ better
-864 bp QoQ

Earnings

Net Interest Margin
3.05%
16th pctile · n=500↑ better
+10 bp QoQ
Return on Assets
0.42%
8th pctile · n=500↑ better
+33 bp QoQ
Return on Equity
4.42%
9th pctile · n=500↑ better
+350 bp QoQ
Efficiency Ratio
78.63%
90th pctile · n=500↓ better
+1350 bp QoQ
Pre-tax NOI / Avg Assets
0.62%
9th pctile · n=500↑ better
+50 bp QoQ

Funding

Brokered / Deposits
7.42%
73th pctile · n=498↓ better
+200 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
2.79%
60th pctile · n=500↓ better
-187 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
4.51%
13th pctile · n=500↑ better
+28 bp QoQ
AFS Securities / Assets
4.47%
17th pctile · n=500↑ better
+29 bp QoQ
HTM Securities / Assets
0.04%
56th pctile · n=500↑ better
-0 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-14 09:22:32 UTC