Visbanking Logo
Skip to main content

Hinsdale Bank And Trust Company National Association

IDRSSD: 2119773
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
78
/ 100
StableAs of 2025-Q1QoQ -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-Q1

Bank #2119773 2025-Q1 Vital Signs Score: 78/100 — 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
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.65% of loans.

What changed this quarter

Compared to Q4 2024:
↓ -1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -7
  • Asset Quality
    ↑ +2
  • Reserves
    ↓ -1

The five pillars

Liquidity

StableQoQ +1
67
Sub-score

Liquidity is stable: brokered 11.9%, loans/deposits 91.7%, cash 3.7% of assets.

Cash / Assets
3.69%
Loans / Deposits
91.71%
Brokered %
11.93%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 7.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
7.90%
No watch items at this period.

Capitalization

WatchQoQ -7
59
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.63%, CET1 10.63%, leverage 9.11%.

Tier 1 RBC
10.63%
CET1
10.63%
Leverage
9.11%
No watch items at this period.

Asset Quality

StrongQoQ +2
98
Sub-score

Asset quality is strong: Adjusted NPL 0.10%, Texas Ratio 0.8%, NCO YTD 0.06%.

Adjusted NPL
0.10%
Govt-guarantees stripped
Texas Ratio
0.8%
NCO YTD
0.06%
30-89 PD
0.65%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -1
72
Sub-score

Reserves are stable: ALLL 0.65% of loans, coverage 669.9%, true coverage 478.6%.

ALLL / Loans
0.65%
Coverage
669.9%
True Loss Coverage
478.6%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.65% 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