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Heartland Bank

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
88
/ 100
StrongAs of 2026-Q1QoQ +13

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

Quarterly Headline

2026-Q1

Bank #604547 2026-Q1 Vital Signs Score: 88/100 — 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. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 103.5% (threshold 100%).

What changed this quarter

Compared to Q4 2025:
↑ +13 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +28
  • Reserves
    ↑ +27

The five pillars

Liquidity

WatchQoQ +6
55
Sub-score

Liquidity is deteriorating: brokered 6.0%, loans/deposits 103.5%, cash 3.5% of assets.

Cash / Assets
3.55%
Loans / Deposits
103.45%
Brokered %
5.99%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 103.5% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.73%
No watch items at this period.

Capitalization

StrongQoQ +1
97
Sub-score

Capital position is strong: Tier 1 RBC 13.98%, CET1 13.98%, leverage 13.10%.

Tier 1 RBC
13.98%
CET1
13.98%
Leverage
13.10%
No watch items at this period.

Asset Quality

StrongQoQ +28
92
Sub-score

Asset quality is strong: Adjusted NPL 0.93%, Texas Ratio 5.3%, NCO YTD -0.11%.

Adjusted NPL
0.93%
Govt-guarantees stripped
Texas Ratio
5.3%
NCO YTD
-0.11%
30-89 PD
0.33%
Band 0.3% / 3.0%
90+ PD
0.52%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +27
96
Sub-score

Reserves are strong: ALLL 1.67% of loans, coverage 182.4%, true coverage 182.4%.

ALLL / Loans
1.67%
Coverage
182.4%
True Loss Coverage
182.4%
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