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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q1QoQ 0

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

Quarterly Headline

2025-Q1

Bank #647245 2025-Q1 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.98% of assets (threshold 3%).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 48.3% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 48.3% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2024:
↑ 0 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -3
  • Reserves
    ↑ +4

The five pillars

Liquidity

StableQoQ +1
65
Sub-score

Liquidity is stable: brokered 21.9%, loans/deposits 67.2%, cash 1.0% of assets.

Cash / Assets
0.98%
Loans / Deposits
67.25%
Brokered %
21.88%

Watch Items

  • riskCash / Assets below 3% — Cash 0.98% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 13.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
13.39%
No watch items at this period.

Capitalization

StrongQoQ +2
92
Sub-score

Capital position is strong: Tier 1 RBC 13.60%, CET1 13.60%, leverage 10.08%.

Tier 1 RBC
13.60%
CET1
13.60%
Leverage
10.08%
No watch items at this period.

Asset Quality

StrongQoQ -3
87
Sub-score

Asset quality is strong: Adjusted NPL 1.38%, Texas Ratio 7.9%, NCO YTD -0.02%.

Adjusted NPL
1.38%
Govt-guarantees stripped
Texas Ratio
7.9%
NCO YTD
-0.02%
30-89 PD
1.10%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +4
14
Sub-score

Reserves are weak: ALLL 0.66% of loans, coverage 48.3%, true coverage 48.3%.

ALLL / Loans
0.66%
Coverage
48.3%
True Loss Coverage
48.3%

Watch Items

  • infoALLL / NPL below 50% — Coverage 48.3% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 48.3% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.66% of loans.

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