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Hardin County Savings Bank

IDRSSD: 647245
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2024-Q1QoQ -1

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

Quarterly Headline

2024-Q1

Bank #647245 2024-Q1 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.00% of assets (threshold 3%).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 49.0% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 49.0% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2023:
↓ -1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -4
  • Reserves
    ↓ -4

The five pillars

Liquidity

StableQoQ +1
65
Sub-score

Liquidity is stable: brokered 23.0%, loans/deposits 64.0%, cash 1.0% of assets.

Cash / Assets
1.00%
Loans / Deposits
64.02%
Brokered %
23.04%

Watch Items

  • watchCash / Assets below 3% — Cash 1.00% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 13.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
13.56%
No watch items at this period.

Capitalization

StrongQoQ +1
97
Sub-score

Capital position is strong: Tier 1 RBC 13.57%, CET1 13.57%, leverage 9.90%.

Tier 1 RBC
13.57%
CET1
13.57%
Leverage
9.90%
No watch items at this period.

Asset Quality

StableQoQ -4
80
Sub-score

Asset quality is stable: Adjusted NPL 2.01%, Texas Ratio 10.6%, NCO YTD 0.25%.

Adjusted NPL
2.01%
Govt-guarantees stripped
Texas Ratio
10.6%
NCO YTD
0.25%
30-89 PD
1.28%
Band 0.3% / 3.0%
90+ PD
0.06%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.01% (govt-guarantees stripped).

Reserves

RiskQoQ -4
25
Sub-score

Reserves are weak: ALLL 0.97% of loans, coverage 49.0%, true coverage 49.0%.

ALLL / Loans
0.97%
Coverage
49.0%
True Loss Coverage
49.0%

Watch Items

  • infoALLL / NPL below 50% — Coverage 49.0% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 49.0% (Adjusted NPL + Performing Mods denominator).

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 07:35:12 UTC