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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q4QoQ 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-Q4

Bank #647245 2025-Q4 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.92% of assets (threshold 3%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.67% of loans.

What changed this quarter

Compared to Q3 2025:
↑ 0 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +3

The five pillars

Liquidity

WatchQoQ -2
58
Sub-score

Liquidity is deteriorating: brokered 27.5%, loans/deposits 77.5%, cash 0.9% of assets.

Cash / Assets
0.92%
Loans / Deposits
77.54%
Brokered %
27.52%

Watch Items

  • riskCash / Assets below 3% — Cash 0.92% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 12.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
11.96%
No watch items at this period.

Capitalization

StrongQoQ 0
85
Sub-score

Capital position is strong: Tier 1 RBC 12.87%, CET1 12.87%, leverage 9.62%.

Tier 1 RBC
12.87%
CET1
12.87%
Leverage
9.62%
No watch items at this period.

Asset Quality

StrongQoQ +1
94
Sub-score

Asset quality is strong: Adjusted NPL 1.16%, Texas Ratio 7.4%, NCO YTD -0.01%.

Adjusted NPL
1.16%
Govt-guarantees stripped
Texas Ratio
7.4%
NCO YTD
-0.01%
30-89 PD
0.15%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +3
21
Sub-score

Reserves are weak: ALLL 0.67% of loans, coverage 58.7%, true coverage 58.7%.

ALLL / Loans
0.67%
Coverage
58.7%
True Loss Coverage
58.7%

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