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Hanover Community Bank

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

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2023-Q4QoQ -5

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

Quarterly Headline

2023-Q4

Bank #3793714 2023-Q4 Vital Signs Score: 87/100 — 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. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 102.1% (threshold 100%).

What changed this quarter

Compared to Q3 2023:
↓ -5 ptscomposite
  • Liquidity
    ↓ -15
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +3
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -15
76
Sub-score

Liquidity is stable: brokered 4.8%, loans/deposits 102.1%, cash 7.8% of assets.

Cash / Assets
7.80%
Loans / Deposits
102.15%
Brokered %
4.82%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 102.1% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.18%
No watch items at this period.

Capitalization

StrongQoQ +2
90
Sub-score

Capital position is strong: Tier 1 RBC 13.17%, CET1 13.17%, leverage 8.99%.

Tier 1 RBC
13.17%
CET1
13.17%
Leverage
8.99%
No watch items at this period.

Asset Quality

StrongQoQ +3
95
Sub-score

Asset quality is strong: Adjusted NPL 0.74%, Texas Ratio 6.8%, NCO YTD -0.14%.

Adjusted NPL
0.74%
Govt-guarantees stripped
Texas Ratio
6.8%
NCO YTD
-0.14%
30-89 PD
0.71%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
69
Sub-score

Reserves are stable: ALLL 1.00% of loans, coverage 136.0%, true coverage 136.0%.

ALLL / Loans
1.00%
Coverage
136.0%
True Loss Coverage
136.0%
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 09:22:01 UTC