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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-Q3

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

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2025-Q3QoQ 0

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 #723550 2025-Q3 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 / NPL below 50%
    Reserves — Coverage 30.2% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 30.2% (Adjusted NPL + Performing Mods denominator).
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.74%.

What changed this quarter

Compared to Q2 2025:
↓ 0 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -5

The five pillars

Liquidity

StrongQoQ +6
94
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 51.6%, cash 7.3% of assets.

Cash / Assets
7.31%
Loans / Deposits
51.64%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.30%
No watch items at this period.

Capitalization

StrongQoQ +1
100
Sub-score

Capital position is strong: Tier 1 RBC 16.86%, CET1 16.86%, leverage 10.22%.

Tier 1 RBC
16.86%
CET1
16.86%
Leverage
10.22%
No watch items at this period.

Asset Quality

StableQoQ -3
66
Sub-score

Asset quality is stable: Adjusted NPL 1.75%, Texas Ratio 8.2%, NCO YTD -0.01%.

Adjusted NPL
1.75%
Govt-guarantees stripped
Texas Ratio
8.2%
NCO YTD
-0.01%
30-89 PD
1.67%
Band 0.3% / 3.0%
90+ PD
1.74%
Band 0.1% / 2.0%

Watch Items

  • watch90+ days past due elevated — 90+ PD 1.74%.

Reserves

RiskQoQ -5
1
Sub-score

Reserves are weak: ALLL 0.53% of loans, coverage 30.2%, true coverage 30.2%.

ALLL / Loans
0.53%
Coverage
30.2%
True Loss Coverage
30.2%

Watch Items

  • watchALLL / NPL below 50% — Coverage 30.2% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 30.2% (Adjusted NPL + Performing Mods denominator).
  • watchALLL / Loans below 0.75% — ALLL 0.53% 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