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Highland Bank

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2026-Q1QoQ +4

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

Quarterly Headline

2026-Q1

Bank #764058 2026-Q1 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.56% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↑ +4 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +17
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +2
74
Sub-score

Liquidity is stable: brokered 6.1%, loans/deposits 80.2%, cash 2.6% of assets.

Cash / Assets
2.56%
Loans / Deposits
80.20%
Brokered %
6.13%

Watch Items

  • infoCash / Assets below 3% — Cash 2.56% 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
0.73%
No watch items at this period.

Capitalization

WatchQoQ -1
55
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.26%, CET1 10.26%, leverage 8.63%.

Tier 1 RBC
10.26%
CET1
10.26%
Leverage
8.63%
No watch items at this period.

Asset Quality

StrongQoQ +17
92
Sub-score

Asset quality is strong: Adjusted NPL 1.15%, Texas Ratio 7.7%, NCO YTD 0.13%.

Adjusted NPL
1.15%
Govt-guarantees stripped
Texas Ratio
7.7%
NCO YTD
0.13%
30-89 PD
0.54%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.50% of loans, coverage 223.1%, true coverage 223.1%.

ALLL / Loans
2.50%
Coverage
223.1%
True Loss Coverage
223.1%
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