Liquidity
StableQoQ -2
76
Sub-score
Liquidity is stable: brokered 2.0%, loans/deposits 88.6%, cash 4.0% of assets.
- Cash / Assets
- 3.95%
- Loans / Deposits
- 88.64%
- Brokered %
- 1.96%
No watch items at this period.
Honor Bank
IDRSSD: 815147
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2025-Q1
Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
87
/ 100
StrongAs of 2025-Q1QoQ +1
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2025-Q1
Bank #815147 2025-Q1 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).
Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Strong
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q4 2024:
↑ +1 ptscomposite
- Liquidity↓ -2
- Securities— —
- Capitalization↑ +5
- Asset Quality↓ -1
- Reserves↑ 0
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 10.8% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 10.81%
SVB watch metric
No watch items at this period.
Capitalization
StableQoQ +5
73
Sub-score
Capital position is stable: Tier 1 RBC 11.69%, CET1 11.69%, leverage 9.34%.
- Tier 1 RBC
- 11.69%
- CET1
- 11.69%
- Leverage
- 9.34%
No watch items at this period.
Asset Quality
StrongQoQ -1
99
Sub-score
Asset quality is strong: Adjusted NPL 0.05%, Texas Ratio 0.4%, NCO YTD -0.01%.
- Adjusted NPL
- 0.05%
- Texas Ratio
- 0.4%
- NCO YTD
- -0.01%
- 30-89 PD
- 0.41%
- 90+ PD
- 0.02%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StrongQoQ 0
92
Sub-score
Reserves are strong: ALLL 1.25% of loans, coverage 2713.9%, true coverage 2713.9%.
- ALLL / Loans
- 1.25%
- Coverage
- 2713.9%
- True Loss Coverage
- 2713.9%
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 15:00:15 UTC