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Hometown Bank

IDRSSD: 940674
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
70
/ 100
StableAs of 2023-Q4QoQ -14

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 #940674 2023-Q4 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 44.4% (Adjusted NPL + Performing Mods denominator).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.54% of assets (threshold 3%).
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.61% of loans.

What changed this quarter

Compared to Q3 2023:
↓ -14 ptscomposite
  • Liquidity
    ↓ -14
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -8
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -14
73
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 91.4%, cash 2.5% of assets.

Cash / Assets
2.54%
Loans / Deposits
91.40%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.54% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.46%
No watch items at this period.

Capitalization

StableQoQ +4
60
Sub-score

Capital position is stable: Tier 1 RBC 10.55%, CET1 10.55%, leverage 7.88%.

Tier 1 RBC
10.55%
CET1
10.55%
Leverage
7.88%
No watch items at this period.

Asset Quality

StrongQoQ -8
92
Sub-score

Asset quality is strong: Adjusted NPL 0.88%, Texas Ratio 7.9%, NCO YTD 0.00%.

Adjusted NPL
0.88%
Govt-guarantees stripped
Texas Ratio
7.9%
NCO YTD
0.00%
30-89 PD
0.24%
Band 0.3% / 3.0%
90+ PD
0.54%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Risk
15
Sub-score

Reserves are weak: ALLL 0.61% of loans, coverage 69.4%, true coverage 44.4%.

ALLL / Loans
0.61%
Coverage
69.4%
True Loss Coverage
44.4%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 44.4% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.61% 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 08:42:43 UTC