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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-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
89
/ 100
StrongAs of 2024-Q4QoQ +2

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

Quarterly Headline

2024-Q4

Bank #468673 2024-Q4 Vital Signs Score: 89/100 — 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. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 112.0% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.62% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2024:
↑ +2 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +1

The five pillars

Liquidity

WatchQoQ 0
58
Sub-score

Liquidity is deteriorating: brokered 8.7%, loans/deposits 112.0%, cash 2.6% of assets.

Cash / Assets
2.62%
Loans / Deposits
112.05%
Brokered %
8.75%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 112.0% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.62% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.78%
No watch items at this period.

Capitalization

StrongQoQ +5
98
Sub-score

Capital position is strong: Tier 1 RBC 14.19%, CET1 14.19%, leverage 11.18%.

Tier 1 RBC
14.19%
CET1
14.19%
Leverage
11.18%
No watch items at this period.

Asset Quality

StrongQoQ +2
96
Sub-score

Asset quality is strong: Adjusted NPL 0.28%, Texas Ratio 2.0%, NCO YTD -0.02%.

Adjusted NPL
0.28%
Govt-guarantees stripped
Texas Ratio
2.0%
NCO YTD
-0.02%
30-89 PD
0.88%
Band 0.3% / 3.0%
90+ PD
0.15%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +1
90
Sub-score

Reserves are strong: ALLL 1.21% of loans, coverage 443.1%, true coverage 114.5%.

ALLL / Loans
1.21%
Coverage
443.1%
True Loss Coverage
114.5%
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