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The Home Loan Savings Bank

IDRSSD: 468673
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
87
/ 100
StrongAs of 2024-Q3QoQ -1

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

Quarterly Headline

2024-Q3

Bank #468673 2024-Q3 Vital Signs Score: 87/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 115.9% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.29% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↓ -1 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -1
  • Reserves
    ↑ +1

The five pillars

Liquidity

WatchQoQ -4
58
Sub-score

Liquidity is deteriorating: brokered 7.2%, loans/deposits 115.9%, cash 2.3% of assets.

Cash / Assets
2.29%
Loans / Deposits
115.89%
Brokered %
7.23%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 115.9% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.29% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.64%
No watch items at this period.

Capitalization

StrongQoQ 0
93
Sub-score

Capital position is strong: Tier 1 RBC 13.43%, CET1 13.43%, leverage 10.88%.

Tier 1 RBC
13.43%
CET1
13.43%
Leverage
10.88%
No watch items at this period.

Asset Quality

StrongQoQ -1
94
Sub-score

Asset quality is strong: Adjusted NPL 0.57%, Texas Ratio 4.3%, NCO YTD -0.06%.

Adjusted NPL
0.57%
Govt-guarantees stripped
Texas Ratio
4.3%
NCO YTD
-0.06%
30-89 PD
0.60%
Band 0.3% / 3.0%
90+ PD
0.44%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +1
89
Sub-score

Reserves are strong: ALLL 1.18% of loans, coverage 211.0%, true coverage 211.0%.

ALLL / Loans
1.18%
Coverage
211.0%
True Loss Coverage
211.0%
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: 2026-05-13 08:19:26 UTC