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Hatch Bank

IDRSSD: 733661
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
84
/ 100
StrongAs of 2025-Q4QoQ -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-Q4

Bank #733661 2025-Q4 Vital Signs Score: 84/100 — 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 208.0% (threshold 100%).
  2. risk
    Brokered deposits above 30%
    Liquidity — Brokered 99.8% of deposits (threshold 30%).
  3. risk
    Uninsured deposits above 50%
    Liquidity — Uninsured 99.8% of deposits (threshold 50%).

What changed this quarter

Compared to Q3 2025:
↓ -2 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -10
  • Reserves
    — —

The five pillars

Liquidity

Watch
40
Sub-score

Liquidity is deteriorating: brokered 99.8%, loans/deposits 208.0%, cash 16.7% of assets.

Cash / Assets
16.71%
Loans / Deposits
207.97%
Brokered %
99.83%

Watch Items

  • riskBrokered deposits above 30% — Brokered 99.8% of deposits (threshold 30%).
  • riskUninsured deposits above 50% — Uninsured 99.8% of deposits (threshold 50%).
  • riskLoans / Deposits above 100% — Loans/Deposits 208.0% (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 29.25%, CET1 29.25%, leverage 26.38%.

Tier 1 RBC
29.25%
CET1
29.25%
Leverage
26.38%
No watch items at this period.

Asset Quality

StrongQoQ -10
85
Sub-score

Asset quality is strong: Adjusted NPL 0.58%, Texas Ratio 1.6%, NCO YTD 0.85%.

Adjusted NPL
0.58%
Govt-guarantees stripped
Texas Ratio
1.6%
NCO YTD
0.85%
30-89 PD
0.74%
Band 0.3% / 3.0%
90+ PD
0.58%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.11% of loans, coverage 368.5%, true coverage 368.5%.

ALLL / Loans
2.11%
Coverage
368.5%
True Loss Coverage
368.5%
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