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Hometown Bank

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
66
/ 100
StableAs of 2026-Q1QoQ +2

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

Quarterly Headline

2026-Q1

Bank #940674 2026-Q1 Vital Signs Score: 66/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    ALLL / NPL below 50%
    Reserves — Coverage 44.5% (regulatory soft-warning level 50%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 44.5% (Adjusted NPL + Performing Mods denominator).
  3. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.75% of loans.

What changed this quarter

Compared to Q4 2025:
↑ +2 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ +5
72
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 95.8%, cash 3.4% of assets.

Cash / Assets
3.37%
Loans / Deposits
95.82%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.52%
No watch items at this period.

Capitalization

WatchQoQ 0
57
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.69%, CET1 10.69%, leverage 8.29%.

Tier 1 RBC
10.69%
CET1
10.69%
Leverage
8.29%
No watch items at this period.

Asset Quality

StrongQoQ +3
81
Sub-score

Asset quality is strong: Adjusted NPL 1.69%, Texas Ratio 14.6%, NCO YTD 0.01%.

Adjusted NPL
1.69%
Govt-guarantees stripped
Texas Ratio
14.6%
NCO YTD
0.01%
30-89 PD
1.27%
Band 0.3% / 3.0%
90+ PD
0.32%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +1
15
Sub-score

Reserves are weak: ALLL 0.75% of loans, coverage 44.5%, true coverage 44.5%.

ALLL / Loans
0.75%
Coverage
44.5%
True Loss Coverage
44.5%

Watch Items

  • infoALLL / NPL below 50% — Coverage 44.5% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 44.5% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.75% 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