Liquidity
StrongQoQ -9
81
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 82.2%, cash 4.0% of assets.
- Cash / Assets
- 4.05%
- Loans / Deposits
- 82.15%
- Brokered %
- 0.00%
No watch items at this period.
Hometown Bank Of Pennsylvania
IDRSSD: 3594087
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2025-Q4
Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
71
/ 100
StableAs of 2025-Q4QoQ -11
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2025-Q4
Bank #3594087 2025-Q4 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).
Liquidity:Strong
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Risk
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q3 2025:
↓ -11 ptscomposite
- Liquidity↓ -9
- Securities— —
- Capitalization↓ -8
- Asset Quality↑ +1
- Reserves↓ -50
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 0.9% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 0.92%
SVB watch metric
No watch items at this period.
Capitalization
WatchQoQ -8
51
Sub-score
Capital position is deteriorating: Tier 1 RBC 10.31%, CET1 10.31%, leverage 7.94%.
- Tier 1 RBC
- 10.31%
- CET1
- 10.31%
- Leverage
- 7.94%
No watch items at this period.
Asset Quality
StrongQoQ +1
93
Sub-score
Asset quality is strong: Adjusted NPL 1.28%, Texas Ratio 11.2%, NCO YTD 0.01%.
- Adjusted NPL
- 1.28%
- Texas Ratio
- 11.2%
- NCO YTD
- 0.01%
- 30-89 PD
- 0.17%
- 90+ PD
- 0.00%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
RiskQoQ -50
25
Sub-score
Reserves are weak: ALLL 0.80% of loans, coverage 63.2%, true coverage 56.0%.
- ALLL / Loans
- 0.80%
- Coverage
- 63.2%
- True Loss Coverage
- 56.0%
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: 2026-05-14 09:00:13 UTC