Liquidity
StrongQoQ +4
81
Sub-score
Liquidity is strong: brokered 2.5%, loans/deposits 74.2%, cash 3.2% of assets.
- Cash / Assets
- 3.25%
- Loans / Deposits
- 74.25%
- Brokered %
- 2.55%
No watch items at this period.
Htlf Bank
IDRSSD: 3465226
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2024-Q3
Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
88
/ 100
StrongAs of 2024-Q3QoQ +2
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2024-Q3
Bank #3465226 2024-Q3 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).
Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Stable
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q2 2024:
↑ +2 ptscomposite
- Liquidity↑ +4
- Securities— —
- Capitalization↑ +7
- Asset Quality↓ -5
- Reserves↑ +3
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 4.7% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 4.66%
SVB watch metric
No watch items at this period.
Capitalization
StrongQoQ +7
92
Sub-score
Capital position is strong: Tier 1 RBC 13.49%, CET1 13.49%, leverage 10.24%.
- Tier 1 RBC
- 13.49%
- CET1
- 13.49%
- Leverage
- 10.24%
No watch items at this period.
Asset Quality
StrongQoQ -5
91
Sub-score
Asset quality is strong: Adjusted NPL 0.62%, Texas Ratio 3.4%, NCO YTD 0.99%.
- Adjusted NPL
- 0.62%
- Texas Ratio
- 3.4%
- NCO YTD
- 0.99%
- 30-89 PD
- 0.26%
- 90+ PD
- 0.01%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StableQoQ +3
71
Sub-score
Reserves are stable: ALLL 0.93% of loans, coverage 152.7%, true coverage 139.5%.
- ALLL / Loans
- 0.93%
- Coverage
- 152.7%
- True Loss Coverage
- 139.5%
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: 2026-05-15 10:19:10 UTC