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Harwood State Bank

IDRSSD: 813059
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2024-Q2QoQ +3

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

Quarterly Headline

2024-Q2

Bank #813059 2024-Q2 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 34.7% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 35.2% (regulatory soft-warning level 50%).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.39% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2024:
↑ +3 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    ↑ +14
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ 0

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 61.9%, cash 10.2% of assets.

Cash / Assets
10.23%
Loans / Deposits
61.94%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.07%
No watch items at this period.

Capitalization

StableQoQ +14
70
Sub-score

Capital position is stable: Tier 1 RBC 12.13%, CET1 12.13%, leverage 7.57%.

Tier 1 RBC
12.13%
CET1
12.13%
Leverage
7.57%
No watch items at this period.

Asset Quality

StableQoQ -3
73
Sub-score

Asset quality is stable: Adjusted NPL 3.39%, Texas Ratio 22.2%, NCO YTD 0.13%.

Adjusted NPL
3.39%
Govt-guarantees stripped
Texas Ratio
22.2%
NCO YTD
0.13%
30-89 PD
0.07%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.39% (govt-guarantees stripped).

Reserves

RiskQoQ 0
25
Sub-score

Reserves are weak: ALLL 1.18% of loans, coverage 35.2%, true coverage 34.7%.

ALLL / Loans
1.18%
Coverage
35.2%
True Loss Coverage
34.7%

Watch Items

  • watchALLL / NPL below 50% — Coverage 35.2% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 34.7% (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: 2026-05-15 08:26:07 UTC