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Houghton State Bank

IDRSSD: 528241
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
91
/ 100
StrongAs of 2023-Q4QoQ -4

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

Quarterly Headline

2023-Q4

Bank #528241 2023-Q4 Vital Signs Score: 91/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.27% of assets (threshold 3%).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 104.0% (threshold 100%).

What changed this quarter

Compared to Q3 2023:
↓ -4 ptscomposite
  • Liquidity
    ↓ -11
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    — —
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -11
64
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 104.0%, cash 1.3% of assets.

Cash / Assets
1.27%
Loans / Deposits
104.04%
Brokered %
0.00%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 104.0% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.27% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.84%
No watch items at this period.

Capitalization

StrongQoQ -2
98
Sub-score

Capital position is strong: Tier 1 RBC 13.67%, CET1 13.67%, leverage 11.20%.

Tier 1 RBC
13.67%
CET1
13.67%
Leverage
11.20%
No watch items at this period.

Asset Quality

Strong
100
Sub-score

Asset quality is strong: Adjusted NPL 0.10%, Texas Ratio 0.7%, NCO YTD 0.01%.

Adjusted NPL
0.10%
Govt-guarantees stripped
Texas Ratio
0.7%
NCO YTD
0.01%
30-89 PD
0.18%
Band 0.3% / 3.0%
90+ PD
0.08%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
88
Sub-score

Reserves are strong: ALLL 1.15% of loans, coverage 1112.5%, true coverage 408.6%.

ALLL / Loans
1.15%
Coverage
1112.5%
True Loss Coverage
408.6%
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.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: 2026-05-14 23:58:54 UTC