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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2025-Q1QoQ -3

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

Quarterly Headline

2025-Q1

Bank #468673 2025-Q1 Vital Signs Score: 86/100 — 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 113.9% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.20% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -8
  • Reserves
    ↓ -4

The five pillars

Liquidity

WatchQoQ -1
57
Sub-score

Liquidity is deteriorating: brokered 8.7%, loans/deposits 113.9%, cash 2.2% of assets.

Cash / Assets
2.20%
Loans / Deposits
113.86%
Brokered %
8.66%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 113.9% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.20% 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
0.76%
No watch items at this period.

Capitalization

StrongQoQ 0
98
Sub-score

Capital position is strong: Tier 1 RBC 14.26%, CET1 14.26%, leverage 11.58%.

Tier 1 RBC
14.26%
CET1
14.26%
Leverage
11.58%
No watch items at this period.

Asset Quality

StrongQoQ -8
88
Sub-score

Asset quality is strong: Adjusted NPL 0.56%, Texas Ratio 4.0%, NCO YTD 0.09%.

Adjusted NPL
0.56%
Govt-guarantees stripped
Texas Ratio
4.0%
NCO YTD
0.09%
30-89 PD
1.69%
Band 0.3% / 3.0%
90+ PD
0.44%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -4
86
Sub-score

Reserves are strong: ALLL 1.21% of loans, coverage 218.2%, true coverage 91.6%.

ALLL / Loans
1.21%
Coverage
218.2%
True Loss Coverage
91.6%
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