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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2025-Q3QoQ -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-Q3

Bank #468673 2025-Q3 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 112.7% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.87% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↓ -4 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -25

The five pillars

Liquidity

WatchQoQ 0
57
Sub-score

Liquidity is deteriorating: brokered 10.9%, loans/deposits 112.7%, cash 2.9% of assets.

Cash / Assets
2.87%
Loans / Deposits
112.71%
Brokered %
10.88%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 112.7% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.87% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.54%
No watch items at this period.

Capitalization

StrongQoQ +2
96
Sub-score

Capital position is strong: Tier 1 RBC 13.86%, CET1 13.86%, leverage 11.14%.

Tier 1 RBC
13.86%
CET1
13.86%
Leverage
11.14%
No watch items at this period.

Asset Quality

StrongQoQ -3
84
Sub-score

Asset quality is strong: Adjusted NPL 0.92%, Texas Ratio 6.7%, NCO YTD 0.04%.

Adjusted NPL
0.92%
Govt-guarantees stripped
Texas Ratio
6.7%
NCO YTD
0.04%
30-89 PD
1.23%
Band 0.3% / 3.0%
90+ PD
0.82%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -25
65
Sub-score

Reserves are stable: ALLL 1.23% of loans, coverage 135.4%, true coverage 76.2%.

ALLL / Loans
1.23%
Coverage
135.4%
True Loss Coverage
76.2%
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