Liquidity
StableQoQ +4
78
Sub-score
Liquidity is stable: brokered 0.0%, loans/deposits 98.1%, cash 6.4% of assets.
- Cash / Assets
- 6.43%
- Loans / Deposits
- 98.14%
- Brokered %
- 0.00%
No watch items at this period.
Homeland Federal Savings Bank
IDRSSD: 251978
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2025-Q2
Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
70
/ 100
StableAs of 2025-Q2QoQ +4
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2025-Q2
Bank #251978 2025-Q2 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).
Liquidity:Stable
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Watch
Top 3 Watch Items
- riskCET1 below 7%Capitalization — CET1 0.00% (threshold 7%).
What changed this quarter
Compared to Q1 2025:
↑ +4 ptscomposite
- Liquidity↑ +4
- Securities— —
- Capitalization↓ -4
- Asset Quality↑ +15
- Reserves↑ +4
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 1.7% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 1.67%
SVB watch metric
No watch items at this period.
Capitalization
WatchQoQ -4
42
Sub-score
Capital position is deteriorating: CET1 0.00%, leverage 9.00%.
- Tier 1 RBC
- —
- CET1
- 0.00%
- Leverage
- 9.00%
Watch Items
- riskCET1 below 7% — CET1 0.00% (threshold 7%).
Asset Quality
StrongQoQ +15
88
Sub-score
Asset quality is strong: Adjusted NPL 1.04%, Texas Ratio 8.9%, NCO YTD 0.51%.
- Adjusted NPL
- 1.04%
- Texas Ratio
- 8.9%
- NCO YTD
- 0.51%
- 30-89 PD
- 0.79%
- 90+ PD
- 0.18%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
WatchQoQ +4
49
Sub-score
Reserves are deteriorating: ALLL 1.10% of loans, coverage 107.4%, true coverage 63.0%.
- ALLL / Loans
- 1.10%
- Coverage
- 107.4%
- True Loss Coverage
- 63.0%
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.tsfor 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 10:23:31 UTC