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The Bank Of Herrin

IDRSSD: 835444
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
92
/ 100
StrongAs of 2024-Q4QoQ 0

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

Quarterly Headline

2024-Q4

Bank #835444 2024-Q4 Vital Signs Score: 92/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

Liquidity:Strong
Securities:Strong
Capitalization:Stable
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 Q3 2024:
↑ 0 ptscomposite
  • Liquidity
    ↑ +7
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ +7
90
Sub-score

Liquidity is strong: brokered 9.5%, loans/deposits 64.5%, cash 8.2% of assets.

Cash / Assets
8.24%
Loans / Deposits
64.49%
Brokered %
9.46%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StableQoQ -4
78
Sub-score

Capital position is stable: Tier 1 RBC 12.19%, CET1 12.19%, leverage 9.17%.

Tier 1 RBC
12.19%
CET1
12.19%
Leverage
9.17%
No watch items at this period.

Asset Quality

StrongQoQ 0
97
Sub-score

Asset quality is strong: Adjusted NPL 0.72%, Texas Ratio 4.4%, NCO YTD 0.01%.

Adjusted NPL
0.72%
Govt-guarantees stripped
Texas Ratio
4.4%
NCO YTD
0.01%
30-89 PD
0.40%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -1
99
Sub-score

Reserves are strong: ALLL 1.48% of loans, coverage 208.5%, true coverage 142.7%.

ALLL / Loans
1.48%
Coverage
208.5%
True Loss Coverage
142.7%
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 09:18:18 UTC