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Heartland Bank

IDRSSD: 604547
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
86
/ 100
StrongAs of 2024-Q1QoQ +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-Q1

Bank #604547 2024-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
    Cash / Assets below 3%
    Liquidity — Cash 1.76% of assets (threshold 3%).
  2. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.5% (threshold 100%).

What changed this quarter

Compared to Q4 2023:
↑ +2 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↑ +9
  • Reserves
    ↑ +7

The five pillars

Liquidity

WatchQoQ -3
48
Sub-score

Liquidity is deteriorating: brokered 8.8%, loans/deposits 101.5%, cash 1.8% of assets.

Cash / Assets
1.76%
Loans / Deposits
101.53%
Brokered %
8.81%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.5% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.76% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.00%
No watch items at this period.

Capitalization

StrongQoQ -3
88
Sub-score

Capital position is strong: Tier 1 RBC 12.19%, CET1 12.19%, leverage 11.49%.

Tier 1 RBC
12.19%
CET1
12.19%
Leverage
11.49%
No watch items at this period.

Asset Quality

StrongQoQ +9
99
Sub-score

Asset quality is strong: Adjusted NPL 0.29%, Texas Ratio 1.9%, NCO YTD 0.01%.

Adjusted NPL
0.29%
Govt-guarantees stripped
Texas Ratio
1.9%
NCO YTD
0.01%
30-89 PD
0.40%
Band 0.3% / 3.0%
90+ PD
0.04%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +7
98
Sub-score

Reserves are strong: ALLL 1.44% of loans, coverage 511.3%, true coverage 511.3%.

ALLL / Loans
1.44%
Coverage
511.3%
True Loss Coverage
511.3%
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 19:52:35 UTC