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Harborone Bank

IDRSSD: 40499
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2025-Q2QoQ +1

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

Quarterly Headline

2025-Q2

Bank #40499 2025-Q2 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 104.2% (threshold 100%).

What changed this quarter

Compared to Q1 2025:
↑ +1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ +5
  • Reserves
    ↓ -3

The five pillars

Liquidity

StableQoQ -1
64
Sub-score

Liquidity is stable: brokered 7.5%, loans/deposits 104.2%, cash 3.8% of assets.

Cash / Assets
3.80%
Loans / Deposits
104.21%
Brokered %
7.50%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 104.2% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.34%
No watch items at this period.

Capitalization

StableQoQ +3
69
Sub-score

Capital position is stable: Tier 1 RBC 11.34%, CET1 11.34%, leverage 9.21%.

Tier 1 RBC
11.34%
CET1
11.34%
Leverage
9.21%
No watch items at this period.

Asset Quality

StrongQoQ +5
98
Sub-score

Asset quality is strong: Adjusted NPL 0.69%, Texas Ratio 5.7%, NCO YTD 0.14%.

Adjusted NPL
0.69%
Govt-guarantees stripped
Texas Ratio
5.7%
NCO YTD
0.14%
30-89 PD
0.17%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -3
72
Sub-score

Reserves are stable: ALLL 1.01% of loans, coverage 146.7%, true coverage 142.6%.

ALLL / Loans
1.01%
Coverage
146.7%
True Loss Coverage
142.6%
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: 2026-05-15 03:51:43 UTC