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Heritage Bank Inc

IDRSSD: 1469677
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
86
/ 100
StrongAs of 2024-Q4QoQ +3

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 #1469677 2024-Q4 Vital Signs Score: 86/100 — 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:
↑ +3 ptscomposite
  • Liquidity
    ↑ +14
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ 0

The five pillars

Liquidity

StrongQoQ +14
95
Sub-score

Liquidity is strong: brokered 4.2%, loans/deposits 65.5%, cash 9.0% of assets.

Cash / Assets
9.03%
Loans / Deposits
65.48%
Brokered %
4.18%
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 -1
55
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.60%, CET1 10.60%, leverage 8.01%.

Tier 1 RBC
10.60%
CET1
10.60%
Leverage
8.01%
No watch items at this period.

Asset Quality

StrongQoQ +1
100
Sub-score

Asset quality is strong: Adjusted NPL 0.43%, Texas Ratio 3.0%, NCO YTD 0.11%.

Adjusted NPL
0.43%
Govt-guarantees stripped
Texas Ratio
3.0%
NCO YTD
0.11%
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 0
85
Sub-score

Reserves are strong: ALLL 1.06% of loans, coverage 248.8%, true coverage 115.1%.

ALLL / Loans
1.06%
Coverage
248.8%
True Loss Coverage
115.1%
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: 2026-05-13 11:23:15 UTC