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Hometown Bank

IDRSSD: 940674
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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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
64
/ 100
StableAs of 2025-Q4QoQ -2

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 #940674 2025-Q4 Vital Signs Score: 64/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.99% of assets (threshold 3%).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 42.1% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 42.1% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -6
  • Reserves
    ↑ +3

The five pillars

Liquidity

StableQoQ -7
68
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 95.9%, cash 2.0% of assets.

Cash / Assets
1.99%
Loans / Deposits
95.94%
Brokered %
0.00%

Watch Items

  • watchCash / Assets below 3% — Cash 1.99% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.57%
No watch items at this period.

Capitalization

WatchQoQ +2
56
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.67%, CET1 10.67%, leverage 8.27%.

Tier 1 RBC
10.67%
CET1
10.67%
Leverage
8.27%
No watch items at this period.

Asset Quality

StableQoQ -6
78
Sub-score

Asset quality is stable: Adjusted NPL 1.77%, Texas Ratio 15.5%, NCO YTD -0.10%.

Adjusted NPL
1.77%
Govt-guarantees stripped
Texas Ratio
15.5%
NCO YTD
-0.10%
30-89 PD
1.57%
Band 0.3% / 3.0%
90+ PD
0.39%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +3
14
Sub-score

Reserves are weak: ALLL 0.74% of loans, coverage 42.1%, true coverage 42.1%.

ALLL / Loans
0.74%
Coverage
42.1%
True Loss Coverage
42.1%

Watch Items

  • infoALLL / NPL below 50% — Coverage 42.1% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 42.1% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.74% 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