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Heritage Bank And Trust

IDRSSD: 3429219
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2024-Q4QoQ -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-Q4

Bank #3429219 2024-Q4 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

Liquidity:Strong
Securities:Strong
Capitalization:Watch
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 Q3 2024:
↓ -2 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -1
  • Reserves
    ↓ -2

The five pillars

Liquidity

StrongQoQ -4
83
Sub-score

Liquidity is strong: brokered 2.1%, loans/deposits 83.5%, cash 6.0% of assets.

Cash / Assets
5.99%
Loans / Deposits
83.54%
Brokered %
2.11%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

WatchQoQ -3
57
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.44%, CET1 10.44%, leverage 8.51%.

Tier 1 RBC
10.44%
CET1
10.44%
Leverage
8.51%
No watch items at this period.

Asset Quality

StrongQoQ -1
95
Sub-score

Asset quality is strong: Adjusted NPL 1.03%, Texas Ratio 8.2%, NCO YTD 0.00%.

Adjusted NPL
1.03%
Govt-guarantees stripped
Texas Ratio
8.2%
NCO YTD
0.00%
30-89 PD
0.23%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ -2
98
Sub-score

Reserves are strong: ALLL 1.92% of loans, coverage 190.7%, true coverage 190.7%.

ALLL / Loans
1.92%
Coverage
190.7%
True Loss Coverage
190.7%
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: 2026-05-15 10:13:54 UTC