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Home Loan State Bank

IDRSSD: 499154
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
79
/ 100
StableAs of 2025-Q1QoQ -20

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 #499154 2025-Q1 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.25% (govt-guarantees stripped).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 38.9% (regulatory soft-warning level 50%).
  3. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 38.9% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2024:
↓ -20 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -36
  • Reserves
    ↓ -62

The five pillars

Liquidity

StrongQoQ -7
93
Sub-score

Liquidity is strong: brokered 0.2%, loans/deposits 44.2%, cash 6.9% of assets.

Cash / Assets
6.89%
Loans / Deposits
44.22%
Brokered %
0.17%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.49%
No watch items at this period.

Capitalization

StrongQoQ 0
93
Sub-score

Capital position is strong: Tier 1 RBC 15.95%, CET1 13.38%, leverage 8.34%.

Tier 1 RBC
15.95%
CET1
13.38%
Leverage
8.34%
No watch items at this period.

Asset Quality

StableQoQ -36
64
Sub-score

Asset quality is stable: Adjusted NPL 5.25%, Texas Ratio 21.8%, NCO YTD 0.00%.

Adjusted NPL
5.25%
Govt-guarantees stripped
Texas Ratio
21.8%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.25% (govt-guarantees stripped).

Reserves

RiskQoQ -62
38
Sub-score

Reserves are weak: ALLL 2.00% of loans, coverage 38.9%, true coverage 38.9%.

ALLL / Loans
2.00%
Coverage
38.9%
True Loss Coverage
38.9%

Watch Items

  • watchALLL / NPL below 50% — Coverage 38.9% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 38.9% (Adjusted NPL + Performing Mods denominator).

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 19:24:46 UTC