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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-Q2

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

Synthesis

Vital Signs Score
74
/ 100
StableAs 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 #647245 2025-Q2 Vital Signs Score: 74/100 — 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. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.04% of assets (threshold 3%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.67% of loans.

What changed this quarter

Compared to Q1 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↑ +4
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ -4
62
Sub-score

Liquidity is stable: brokered 27.7%, loans/deposits 68.7%, cash 1.0% of assets.

Cash / Assets
1.04%
Loans / Deposits
68.67%
Brokered %
27.71%

Watch Items

  • watchCash / Assets below 3% — Cash 1.04% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 12.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
12.63%
No watch items at this period.

Capitalization

StrongQoQ -4
88
Sub-score

Capital position is strong: Tier 1 RBC 13.14%, CET1 13.14%, leverage 9.79%.

Tier 1 RBC
13.14%
CET1
13.14%
Leverage
9.79%
No watch items at this period.

Asset Quality

StrongQoQ +4
91
Sub-score

Asset quality is strong: Adjusted NPL 1.32%, Texas Ratio 7.9%, NCO YTD 0.05%.

Adjusted NPL
1.32%
Govt-guarantees stripped
Texas Ratio
7.9%
NCO YTD
0.05%
30-89 PD
0.59%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +2
16
Sub-score

Reserves are weak: ALLL 0.67% of loans, coverage 50.8%, true coverage 50.8%.

ALLL / Loans
0.67%
Coverage
50.8%
True Loss Coverage
50.8%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.67% 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