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Hinsdale Bank And Trust Company National Association

IDRSSD: 2119773
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
80
/ 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 #2119773 2024-Q4 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.68% of loans.

What changed this quarter

Compared to Q3 2024:
↑ +1 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ -1
66
Sub-score

Liquidity is stable: brokered 11.9%, loans/deposits 92.7%, cash 3.5% of assets.

Cash / Assets
3.55%
Loans / Deposits
92.72%
Brokered %
11.94%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 8.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
8.40%
No watch items at this period.

Capitalization

StableQoQ +4
66
Sub-score

Capital position is stable: Tier 1 RBC 11.18%, CET1 11.18%, leverage 9.42%.

Tier 1 RBC
11.18%
CET1
11.18%
Leverage
9.42%
No watch items at this period.

Asset Quality

StrongQoQ -1
96
Sub-score

Asset quality is strong: Adjusted NPL 0.28%, Texas Ratio 2.1%, NCO YTD 0.25%.

Adjusted NPL
0.28%
Govt-guarantees stripped
Texas Ratio
2.1%
NCO YTD
0.25%
30-89 PD
0.71%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +1
73
Sub-score

Reserves are stable: ALLL 0.68% of loans, coverage 246.3%, true coverage 221.6%.

ALLL / Loans
0.68%
Coverage
246.3%
True Loss Coverage
221.6%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.68% of loans.

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 11:35:27 UTC