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Heartland Bank

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q4QoQ -8

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

Quarterly Headline

2025-Q4

Bank #604547 2025-Q4 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 107.5% (threshold 100%).
  2. info
    FHLB advances elevated
    Liquidity — FHLB advances 11.8% (threshold 10%).
  3. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.38%.

What changed this quarter

Compared to Q3 2025:
↓ -8 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↓ -20
  • Reserves
    ↓ -25

The five pillars

Liquidity

WatchQoQ +3
49
Sub-score

Liquidity is deteriorating: brokered 4.0%, loans/deposits 107.5%, cash 3.6% of assets.

Cash / Assets
3.60%
Loans / Deposits
107.47%
Brokered %
3.99%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 107.5% (threshold 100%).
  • infoFHLB advances elevated — FHLB advances 11.8% (threshold 10%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.72%
No watch items at this period.

Capitalization

StrongQoQ +1
96
Sub-score

Capital position is strong: Tier 1 RBC 13.85%, CET1 13.85%, leverage 12.65%.

Tier 1 RBC
13.85%
CET1
13.85%
Leverage
12.65%
No watch items at this period.

Asset Quality

StableQoQ -20
64
Sub-score

Asset quality is stable: Adjusted NPL 1.91%, Texas Ratio 11.4%, NCO YTD 0.00%.

Adjusted NPL
1.91%
Govt-guarantees stripped
Texas Ratio
11.4%
NCO YTD
0.00%
30-89 PD
2.28%
Band 0.3% / 3.0%
90+ PD
1.38%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.38%.

Reserves

StableQoQ -25
69
Sub-score

Reserves are stable: ALLL 1.64% of loans, coverage 87.5%, true coverage 87.5%.

ALLL / Loans
1.64%
Coverage
87.5%
True Loss Coverage
87.5%
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