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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 — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2025-Q3QoQ -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-Q3

Bank #835444 2025-Q3 Vital Signs Score: 87/100 — 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

  1. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.01% of loans.

What changed this quarter

Compared to Q2 2025:
↓ -4 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -14

The five pillars

Liquidity

StrongQoQ -2
90
Sub-score

Liquidity is strong: brokered 6.1%, loans/deposits 65.4%, cash 7.4% of assets.

Cash / Assets
7.39%
Loans / Deposits
65.36%
Brokered %
6.07%
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 -2
78
Sub-score

Capital position is stable: Tier 1 RBC 12.33%, CET1 12.33%, leverage 9.11%.

Tier 1 RBC
12.33%
CET1
12.33%
Leverage
9.11%
No watch items at this period.

Asset Quality

StrongQoQ -6
88
Sub-score

Asset quality is strong: Adjusted NPL 0.66%, Texas Ratio 4.3%, NCO YTD 1.01%.

Adjusted NPL
0.66%
Govt-guarantees stripped
Texas Ratio
4.3%
NCO YTD
1.01%
30-89 PD
0.70%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.01% of loans.

Reserves

StrongQoQ -14
80
Sub-score

Reserves are strong: ALLL 1.11% of loans, coverage 168.9%, true coverage 115.3%.

ALLL / Loans
1.11%
Coverage
168.9%
True Loss Coverage
115.3%
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