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Hershey Bank

IDRSSD: 96553
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2023-Q4QoQ -11

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

Quarterly Headline

2023-Q4

Bank #96553 2023-Q4 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.52% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↓ -11 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -18
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -5
67
Sub-score

Liquidity is stable: brokered 8.6%, loans/deposits 97.7%, cash 4.1% of assets.

Cash / Assets
4.10%
Loans / Deposits
97.65%
Brokered %
8.57%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 11.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
11.92%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.67%, CET1 16.67%, leverage 12.63%.

Tier 1 RBC
16.67%
CET1
16.67%
Leverage
12.63%
No watch items at this period.

Asset Quality

StrongQoQ -18
82
Sub-score

Asset quality is strong: Adjusted NPL 2.52%, Texas Ratio 13.3%, NCO YTD 0.00%.

Adjusted NPL
2.52%
Govt-guarantees stripped
Texas Ratio
13.3%
NCO YTD
0.00%
30-89 PD
0.23%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.52% (govt-guarantees stripped).

Reserves

Watch
55
Sub-score

Reserves are deteriorating: ALLL 1.69% of loans, coverage 68.0%, true coverage 68.0%.

ALLL / Loans
1.69%
Coverage
68.0%
True Loss Coverage
68.0%
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 14:13:35 UTC