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Hometown Bank

IDRSSD: 940674
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2024-Q1QoQ +5

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

Quarterly Headline

2024-Q1

Bank #940674 2024-Q1 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.62% of loans.

What changed this quarter

Compared to Q4 2023:
↑ +5 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↑ +4
  • Reserves
    ↑ +36

The five pillars

Liquidity

StableQoQ 0
73
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 93.0%, cash 3.1% of assets.

Cash / Assets
3.07%
Loans / Deposits
92.96%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 5.4% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
5.42%
No watch items at this period.

Capitalization

WatchQoQ -5
55
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.15%, CET1 10.15%, leverage 7.72%.

Tier 1 RBC
10.15%
CET1
10.15%
Leverage
7.72%
No watch items at this period.

Asset Quality

StrongQoQ +4
97
Sub-score

Asset quality is strong: Adjusted NPL 0.57%, Texas Ratio 5.3%, NCO YTD 0.01%.

Adjusted NPL
0.57%
Govt-guarantees stripped
Texas Ratio
5.3%
NCO YTD
0.01%
30-89 PD
0.23%
Band 0.3% / 3.0%
90+ PD
0.37%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +36
50
Sub-score

Reserves are deteriorating: ALLL 0.62% of loans, coverage 108.7%, true coverage 108.7%.

ALLL / Loans
0.62%
Coverage
108.7%
True Loss Coverage
108.7%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.62% 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