Liquidity
StableQoQ +2
67
Sub-score
Liquidity is stable: brokered 15.8%, loans/deposits 86.7%, cash 3.7% of assets.
- Cash / Assets
- 3.65%
- Loans / Deposits
- 86.73%
- Brokered %
- 15.82%
No watch items at this period.
Heritage Bank Minnesota
IDRSSD: 777254
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Vital Signs Report — 2025-Q1
Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
77
/ 100
StableAs of 2025-Q1QoQ +3
Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.
Quarterly Headline
2025-Q1
Bank #777254 2025-Q1 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).
Liquidity:Stable
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 Q4 2024:
↑ +3 ptscomposite
- Liquidity↑ +2
- Securities— —
- Capitalization↓ -9
- Asset Quality↑ +12
- Reserves↑ +13
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 0.5% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 0.50%
SVB watch metric
No watch items at this period.
Capitalization
WatchQoQ -9
46
Sub-score
Capital position is deteriorating: Tier 1 RBC 9.76%, CET1 9.76%, leverage 7.92%.
- Tier 1 RBC
- 9.76%
- CET1
- 9.76%
- Leverage
- 7.92%
No watch items at this period.
Asset Quality
StrongQoQ +12
98
Sub-score
Asset quality is strong: Adjusted NPL 0.34%, Texas Ratio 3.1%, NCO YTD -0.18%.
- Adjusted NPL
- 0.34%
- Texas Ratio
- 3.1%
- NCO YTD
- -0.18%
- 30-89 PD
- 0.59%
- 90+ PD
- 0.03%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StrongQoQ +13
83
Sub-score
Reserves are strong: ALLL 0.98% of loans, coverage 291.0%, true coverage 291.0%.
- ALLL / Loans
- 0.98%
- Coverage
- 291.0%
- True Loss Coverage
- 291.0%
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.tsfor 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 19:11:47 UTC