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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2025-Q4QoQ -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-Q4

Bank #723550 2025-Q4 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 24.3% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 24.3% (Adjusted NPL + Performing Mods denominator).
  3. watch
    90+ days past due elevated
    Asset Quality — 90+ PD 1.88%.

What changed this quarter

Compared to Q3 2025:
↓ -4 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -9
  • Reserves
    ↓ -1

The five pillars

Liquidity

StrongQoQ -5
89
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 49.5%, cash 4.9% of assets.

Cash / Assets
4.89%
Loans / Deposits
49.54%
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
3.28%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.71%, CET1 16.71%, leverage 10.08%.

Tier 1 RBC
16.71%
CET1
16.71%
Leverage
10.08%
No watch items at this period.

Asset Quality

WatchQoQ -9
57
Sub-score

Asset quality is deteriorating: Adjusted NPL 1.89%, Texas Ratio 8.6%, NCO YTD 0.41%.

Adjusted NPL
1.89%
Govt-guarantees stripped
Texas Ratio
8.6%
NCO YTD
0.41%
30-89 PD
2.32%
Band 0.3% / 3.0%
90+ PD
1.88%
Band 0.1% / 2.0%

Watch Items

  • watch90+ days past due elevated — 90+ PD 1.88%.

Reserves

RiskQoQ -1
0
Sub-score

Reserves are weak: ALLL 0.46% of loans, coverage 24.3%, true coverage 24.3%.

ALLL / Loans
0.46%
Coverage
24.3%
True Loss Coverage
24.3%

Watch Items

  • riskALLL / NPL below 50% — Coverage 24.3% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 24.3% (Adjusted NPL + Performing Mods denominator).
  • watchALLL / Loans below 0.75% — ALLL 0.46% 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