Visbanking Logo
Skip to main content

Hills Bank And Trust Company

IDRSSD: 731247
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2024-Q4QoQ -1

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

Quarterly Headline

2024-Q4

Bank #731247 2024-Q4 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.3% (threshold 100%).
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.69% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -10
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +1
  • Reserves
    ↑ +6

The five pillars

Liquidity

WatchQoQ -10
55
Sub-score

Liquidity is deteriorating: brokered 1.1%, loans/deposits 101.3%, cash 2.7% of assets.

Cash / Assets
2.69%
Loans / Deposits
101.29%
Brokered %
1.07%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.3% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.69% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 6.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
6.29%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 12.70%.

Tier 1 RBC
—
CET1
0.00%
Leverage
12.70%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StrongQoQ +1
95
Sub-score

Asset quality is strong: Adjusted NPL 0.73%, Texas Ratio 4.0%, NCO YTD 0.04%.

Adjusted NPL
0.73%
Govt-guarantees stripped
Texas Ratio
4.0%
NCO YTD
0.04%
30-89 PD
0.74%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +6
99
Sub-score

Reserves are strong: ALLL 1.48% of loans, coverage 205.5%, true coverage 161.5%.

ALLL / Loans
1.48%
Coverage
205.5%
True Loss Coverage
161.5%
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: 2026-05-14 19:37:58 UTC