Visbanking Logo
Skip to main content

High Country Bank

IDRSSD: 479370
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2025-Q1QoQ +9

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

Quarterly Headline

2025-Q1

Bank #479370 2025-Q1 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.59% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2024:
↑ +9 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +29
  • Asset Quality
    ↑ +6
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ +3
70
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 97.6%, cash 2.6% of assets.

Cash / Assets
2.59%
Loans / Deposits
97.63%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.59% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.82%
No watch items at this period.

Capitalization

StableQoQ +29
68
Sub-score

Capital position is stable: Tier 1 RBC 11.42%, CET1 11.42%, leverage 8.81%.

Tier 1 RBC
11.42%
CET1
11.42%
Leverage
8.81%
No watch items at this period.

Asset Quality

StrongQoQ +6
96
Sub-score

Asset quality is strong: Adjusted NPL 0.92%, Texas Ratio 7.9%, NCO YTD 0.00%.

Adjusted NPL
0.92%
Govt-guarantees stripped
Texas Ratio
7.9%
NCO YTD
0.00%
30-89 PD
0.32%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +1
67
Sub-score

Reserves are stable: ALLL 1.06% of loans, coverage 116.2%, true coverage 116.2%.

ALLL / Loans
1.06%
Coverage
116.2%
True Loss Coverage
116.2%
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 08:24:52 UTC