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Huron Valley State Bank

IDRSSD: 3358270
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
93
/ 100
StrongAs of 2024-Q2QoQ -1

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

Quarterly Headline

2024-Q2

Bank #3358270 2024-Q2 Vital Signs Score: 93/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (strong).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q1 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -9
  • Asset Quality
    — —
  • Reserves
    ↑ +11

The five pillars

Liquidity

StrongQoQ -2
91
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 88.0%, cash 9.8% of assets.

Cash / Assets
9.84%
Loans / Deposits
88.04%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.76%
No watch items at this period.

Capitalization

StrongQoQ -9
84
Sub-score

Capital position is strong: Tier 1 RBC 12.39%, CET1 12.39%, leverage 10.50%.

Tier 1 RBC
12.39%
CET1
12.39%
Leverage
10.50%
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 0.00%.

Adjusted NPL
0.10%
Govt-guarantees stripped
Texas Ratio
0.7%
NCO YTD
0.00%
30-89 PD
0.03%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +11
94
Sub-score

Reserves are strong: ALLL 1.31% of loans, coverage 1337.6%, true coverage 1337.6%.

ALLL / Loans
1.31%
Coverage
1337.6%
True Loss Coverage
1337.6%
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 06:04:58 UTC