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The Hamilton Bank

IDRSSD: 723550
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2025-Q2QoQ -9

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

Quarterly Headline

2025-Q2

Bank #723550 2025-Q2 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.52% of loans.
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 41.0% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 41.0% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2025:
↓ -9 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↓ -12
  • Reserves
    ↓ -49

The five pillars

Liquidity

StrongQoQ +5
88
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 50.6%, cash 4.8% of assets.

Cash / Assets
4.78%
Loans / Deposits
50.59%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 4.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
4.18%
No watch items at this period.

Capitalization

StrongQoQ 0
99
Sub-score

Capital position is strong: Tier 1 RBC 16.04%, CET1 16.04%, leverage 9.81%.

Tier 1 RBC
16.04%
CET1
16.04%
Leverage
9.81%
No watch items at this period.

Asset Quality

StableQoQ -12
69
Sub-score

Asset quality is stable: Adjusted NPL 1.29%, Texas Ratio 6.2%, NCO YTD 0.00%.

Adjusted NPL
1.29%
Govt-guarantees stripped
Texas Ratio
6.2%
NCO YTD
0.00%
30-89 PD
2.49%
Band 0.3% / 3.0%
90+ PD
1.28%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.28%.

Reserves

RiskQoQ -49
6
Sub-score

Reserves are weak: ALLL 0.52% of loans, coverage 41.0%, true coverage 41.0%.

ALLL / Loans
0.52%
Coverage
41.0%
True Loss Coverage
41.0%

Watch Items

  • infoALLL / NPL below 50% — Coverage 41.0% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 41.0% (Adjusted NPL + Performing Mods denominator).
  • watchALLL / Loans below 0.75% — ALLL 0.52% of loans.

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: 2026-05-15 01:16:37 UTC