Visbanking Logo
Skip to main content

Hanover Community Bank

IDRSSD: 3793714
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
78
/ 100
StableAs of 2025-Q4QoQ -7

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 #3793714 2025-Q4 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.91% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -7 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -16
  • Reserves
    ↓ -22

The five pillars

Liquidity

StableQoQ +5
80
Sub-score

Liquidity is stable: brokered 5.4%, loans/deposits 98.0%, cash 8.8% of assets.

Cash / Assets
8.77%
Loans / Deposits
98.02%
Brokered %
5.42%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.23%
No watch items at this period.

Capitalization

StrongQoQ -2
85
Sub-score

Capital position is strong: Tier 1 RBC 12.90%, CET1 12.90%, leverage 8.97%.

Tier 1 RBC
12.90%
CET1
12.90%
Leverage
8.97%
No watch items at this period.

Asset Quality

StableQoQ -16
73
Sub-score

Asset quality is stable: Adjusted NPL 1.09%, Texas Ratio 9.7%, NCO YTD 1.91%.

Adjusted NPL
1.09%
Govt-guarantees stripped
Texas Ratio
9.7%
NCO YTD
1.91%
30-89 PD
1.17%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.91% of loans.

Reserves

WatchQoQ -22
49
Sub-score

Reserves are deteriorating: ALLL 0.93% of loans, coverage 86.5%, true coverage 86.3%.

ALLL / Loans
0.93%
Coverage
86.5%
True Loss Coverage
86.3%
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