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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-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2025-Q2QoQ 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-Q2

Bank #468673 2025-Q2 Vital Signs Score: 85/100 — 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 112.5% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.67% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↓ 0 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↓ 0
  • Reserves
    ↑ +4

The five pillars

Liquidity

WatchQoQ 0
57
Sub-score

Liquidity is deteriorating: brokered 10.1%, loans/deposits 112.5%, cash 2.7% of assets.

Cash / Assets
2.67%
Loans / Deposits
112.51%
Brokered %
10.12%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 112.5% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.67% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.68%
No watch items at this period.

Capitalization

StrongQoQ -4
94
Sub-score

Capital position is strong: Tier 1 RBC 13.57%, CET1 13.57%, leverage 11.01%.

Tier 1 RBC
13.57%
CET1
13.57%
Leverage
11.01%
No watch items at this period.

Asset Quality

StrongQoQ 0
87
Sub-score

Asset quality is strong: Adjusted NPL 0.53%, Texas Ratio 4.0%, NCO YTD 0.21%.

Adjusted NPL
0.53%
Govt-guarantees stripped
Texas Ratio
4.0%
NCO YTD
0.21%
30-89 PD
1.66%
Band 0.3% / 3.0%
90+ PD
0.43%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +4
90
Sub-score

Reserves are strong: ALLL 1.21% of loans, coverage 230.2%, true coverage 104.7%.

ALLL / Loans
1.21%
Coverage
230.2%
True Loss Coverage
104.7%
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