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Hatch Bank

IDRSSD: 733661
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
85
/ 100
StrongAs of 2025-Q2QoQ +2

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 #733661 2025-Q2 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 233.5% (threshold 100%).
  2. risk
    Brokered deposits above 30%
    Liquidity — Brokered 99.6% of deposits (threshold 30%).
  3. risk
    Uninsured deposits above 50%
    Liquidity — Uninsured 99.7% of deposits (threshold 50%).

What changed this quarter

Compared to Q1 2025:
↑ +2 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +9
  • Reserves
    — —

The five pillars

Liquidity

Watch
40
Sub-score

Liquidity is deteriorating: brokered 99.6%, loans/deposits 233.5%, cash 12.8% of assets.

Cash / Assets
12.82%
Loans / Deposits
233.46%
Brokered %
99.65%

Watch Items

  • riskBrokered deposits above 30% — Brokered 99.6% of deposits (threshold 30%).
  • riskUninsured deposits above 50% — Uninsured 99.7% of deposits (threshold 50%).
  • riskLoans / Deposits above 100% — Loans/Deposits 233.5% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 32.87%, CET1 32.87%, leverage 24.54%.

Tier 1 RBC
32.87%
CET1
32.87%
Leverage
24.54%
No watch items at this period.

Asset Quality

StrongQoQ +9
88
Sub-score

Asset quality is strong: Adjusted NPL 0.16%, Texas Ratio 0.4%, NCO YTD 1.08%.

Adjusted NPL
0.16%
Govt-guarantees stripped
Texas Ratio
0.4%
NCO YTD
1.08%
30-89 PD
0.80%
Band 0.3% / 3.0%
90+ PD
0.16%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.08% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.57% of loans, coverage 1661.6%, true coverage 1661.6%.

ALLL / Loans
2.57%
Coverage
1661.6%
True Loss Coverage
1661.6%
No watch items at this period.

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: 2026-05-13 03:52:53 UTC