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The Home Trust And Savings Bank

IDRSSD: 60545
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
93
/ 100
StrongAs of 2024-Q2QoQ +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-Q2

Bank #60545 2024-Q2 Vital Signs Score: 93/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q1 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +6
  • Reserves
    ↑ +5

The five pillars

Liquidity

StableQoQ +3
78
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 82.9%, cash 3.1% of assets.

Cash / Assets
3.14%
Loans / Deposits
82.91%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.56%
No watch items at this period.

Capitalization

StrongQoQ -1
98
Sub-score

Capital position is strong: Tier 1 RBC 14.38%, CET1 14.38%, leverage 10.02%.

Tier 1 RBC
14.38%
CET1
14.38%
Leverage
10.02%
No watch items at this period.

Asset Quality

StrongQoQ +6
97
Sub-score

Asset quality is strong: Adjusted NPL 0.29%, Texas Ratio 1.8%, NCO YTD 0.11%.

Adjusted NPL
0.29%
Govt-guarantees stripped
Texas Ratio
1.8%
NCO YTD
0.11%
30-89 PD
0.64%
Band 0.3% / 3.0%
90+ PD
0.14%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +5
88
Sub-score

Reserves are strong: ALLL 1.15% of loans, coverage 398.8%, true coverage 398.8%.

ALLL / Loans
1.15%
Coverage
398.8%
True Loss Coverage
398.8%
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: 2026-05-14 23:55:52 UTC