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Houghton State Bank

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

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2025-Q2QoQ -12

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

Quarterly Headline

2025-Q2

Bank #528241 2025-Q2 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.60%.
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 44.7% (Adjusted NPL + Performing Mods denominator).
  3. info
    Cash / Assets below 3%
    Liquidity — Cash 2.26% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↓ -12 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -56

The five pillars

Liquidity

StableQoQ -7
73
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 89.0%, cash 2.3% of assets.

Cash / Assets
2.26%
Loans / Deposits
89.00%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.26% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.92%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 17.50%, CET1 17.50%, leverage 14.04%.

Tier 1 RBC
17.50%
CET1
17.50%
Leverage
14.04%
No watch items at this period.

Asset Quality

StableQoQ -8
73
Sub-score

Asset quality is stable: Adjusted NPL 2.09%, Texas Ratio 10.2%, NCO YTD 0.11%.

Adjusted NPL
2.09%
Govt-guarantees stripped
Texas Ratio
10.2%
NCO YTD
0.11%
30-89 PD
0.31%
Band 0.3% / 3.0%
90+ PD
1.60%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.09% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.60%.

Reserves

RiskQoQ -56
36
Sub-score

Reserves are weak: ALLL 1.28% of loans, coverage 61.9%, true coverage 44.7%.

ALLL / Loans
1.28%
Coverage
61.9%
True Loss Coverage
44.7%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 44.7% (Adjusted NPL + Performing Mods denominator).

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