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Huron Community Bank

IDRSSD: 475345
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
78
/ 100
StableAs of 2025-Q1QoQ -4

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 #475345 2025-Q1 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.40% (govt-guarantees stripped).
  2. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 2.07%.
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 44.6% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q4 2024:
↓ -4 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ -10
  • Reserves
    ↓ -5

The five pillars

Liquidity

StrongQoQ 0
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 59.9%, cash 9.8% of assets.

Cash / Assets
9.78%
Loans / Deposits
59.93%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.28%
No watch items at this period.

Capitalization

StrongQoQ -4
91
Sub-score

Capital position is strong: Tier 1 RBC 13.60%, CET1 13.60%, leverage 9.22%.

Tier 1 RBC
13.60%
CET1
13.60%
Leverage
9.22%
No watch items at this period.

Asset Quality

WatchQoQ -10
56
Sub-score

Asset quality is deteriorating: Adjusted NPL 3.40%, Texas Ratio 18.1%, NCO YTD 0.01%.

Adjusted NPL
3.40%
Govt-guarantees stripped
Texas Ratio
18.1%
NCO YTD
0.01%
30-89 PD
0.48%
Band 0.3% / 3.0%
90+ PD
2.07%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.40% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 2.07%.

Reserves

WatchQoQ -5
40
Sub-score

Reserves are deteriorating: ALLL 1.60% of loans, coverage 47.7%, true coverage 44.6%.

ALLL / Loans
1.60%
Coverage
47.7%
True Loss Coverage
44.6%

Watch Items

  • infoALLL / NPL below 50% — Coverage 47.7% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 44.6% (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 11:18:56 UTC