Liquidity
StableQoQ +2
68
Sub-score
Liquidity is stable: brokered 13.0%, loans/deposits 92.8%, cash 4.5% of assets.
- Cash / Assets
- 4.46%
- Loans / Deposits
- 92.80%
- Brokered %
- 13.05%
No watch items at this period.
Horatio State Bank
IDRSSD: 458142
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
71
/ 100
StableAs of 2026-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
2026-Q1
Bank #458142 2026-Q1 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).
Liquidity:Stable
Securities:Strong
Capitalization:Watch
Asset Quality:Stable
Reserves:Stable
Top 3 Watch Items
- riskCET1 below 7%Capitalization — CET1 0.00% (threshold 7%).
What changed this quarter
Compared to Q4 2025:
↓ -1 ptscomposite
- Liquidity↑ +2
- Securities— —
- Capitalization— —
- Asset Quality↑ +4
- Reserves↓ -19
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 3.3% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 3.32%
SVB watch metric
No watch items at this period.
Capitalization
Watch
50
Sub-score
Capital position is deteriorating: CET1 0.00%, leverage 11.74%.
- Tier 1 RBC
- —
- CET1
- 0.00%
- Leverage
- 11.74%
Watch Items
- riskCET1 below 7% — CET1 0.00% (threshold 7%).
Asset Quality
StableQoQ +4
76
Sub-score
Asset quality is stable: Adjusted NPL 1.38%, Texas Ratio 8.7%, NCO YTD 0.62%.
- Adjusted NPL
- 1.38%
- Texas Ratio
- 8.7%
- NCO YTD
- 0.62%
- 30-89 PD
- 1.59%
- 90+ PD
- 0.50%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StableQoQ -19
71
Sub-score
Reserves are stable: ALLL 1.60% of loans, coverage 117.6%, true coverage 76.8%.
- ALLL / Loans
- 1.60%
- Coverage
- 117.6%
- True Loss Coverage
- 76.8%
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 08:41:16 UTC