Visbanking Logo
Skip to main content

Highland Bank

IDRSSD: 764058
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q3QoQ -1

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

Quarterly Headline

2025-Q3

Bank #764058 2025-Q3 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.02% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -3
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ +1
71
Sub-score

Liquidity is stable: brokered 7.5%, loans/deposits 81.7%, cash 2.0% of assets.

Cash / Assets
2.02%
Loans / Deposits
81.68%
Brokered %
7.48%

Watch Items

  • infoCash / Assets below 3% — Cash 2.02% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.72%
No watch items at this period.

Capitalization

WatchQoQ -4
51
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.85%, CET1 9.85%, leverage 8.68%.

Tier 1 RBC
9.85%
CET1
9.85%
Leverage
8.68%
No watch items at this period.

Asset Quality

StrongQoQ -3
84
Sub-score

Asset quality is strong: Adjusted NPL 1.94%, Texas Ratio 13.2%, NCO YTD 0.48%.

Adjusted NPL
1.94%
Govt-guarantees stripped
Texas Ratio
13.2%
NCO YTD
0.48%
30-89 PD
0.28%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +1
80
Sub-score

Reserves are stable: ALLL 2.06% of loans, coverage 108.8%, true coverage 108.8%.

ALLL / Loans
2.06%
Coverage
108.8%
True Loss Coverage
108.8%
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: 2026-05-15 01:39:27 UTC