Visbanking Logo
Skip to main content

Homepride Bank

IDRSSD: 747051
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2023-Q4QoQ -31

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

Quarterly Headline

2023-Q4

Bank #747051 2023-Q4 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.7% (threshold 100%).

What changed this quarter

Compared to Q3 2023:
↓ -31 ptscomposite
  • Liquidity
    ↓ -15
  • Securities
    — —
  • Capitalization
    ↓ -51
  • Asset Quality
    ↓ -30
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -15
77
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 100.7%, cash 6.5% of assets.

Cash / Assets
6.51%
Loans / Deposits
100.74%
Brokered %
0.00%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.7% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.39%
No watch items at this period.

Capitalization

WatchQoQ -51
48
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.80%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.80%

Watch Items

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

Asset Quality

StableQoQ -30
70
Sub-score

Asset quality is stable: Adjusted NPL 1.52%, Texas Ratio 11.5%, NCO YTD 0.05%.

Adjusted NPL
1.52%
Govt-guarantees stripped
Texas Ratio
11.5%
NCO YTD
0.05%
30-89 PD
2.72%
Band 0.3% / 3.0%
90+ PD
0.77%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Watch
45
Sub-score

Reserves are deteriorating: ALLL 1.25% of loans, coverage 82.9%, true coverage 57.2%.

ALLL / Loans
1.25%
Coverage
82.9%
True Loss Coverage
57.2%
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 10:28:14 UTC