Liquidity
StrongQoQ +19
86
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 88.1%, cash 7.8% of assets.
- Cash / Assets
- 7.78%
- Loans / Deposits
- 88.12%
- Brokered %
- 0.00%
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 — 2026-Q1
Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.
Synthesis
Vital Signs Score
81
/ 100
StrongAs of 2026-Q1QoQ +5
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 #777254 2026-Q1 Vital Signs Score: 81/100 — 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 Q4 2025:
↑ +5 ptscomposite
- Liquidity↑ +19
- Securities— —
- Capitalization↑ +6
- Asset Quality↓ -4
- Reserves↑ +2
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 0.4% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 0.42%
SVB watch metric
No watch items at this period.
Capitalization
WatchQoQ +6
49
Sub-score
Capital position is deteriorating: Tier 1 RBC 10.30%, CET1 10.30%, leverage 7.27%.
- Tier 1 RBC
- 10.30%
- CET1
- 10.30%
- Leverage
- 7.27%
No watch items at this period.
Asset Quality
StrongQoQ -4
96
Sub-score
Asset quality is strong: Adjusted NPL 0.43%, Texas Ratio 4.1%, NCO YTD -0.01%.
- Adjusted NPL
- 0.43%
- Texas Ratio
- 4.1%
- NCO YTD
- -0.01%
- 30-89 PD
- 0.94%
- 90+ PD
- 0.05%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StrongQoQ +2
83
Sub-score
Reserves are strong: ALLL 0.99% of loans, coverage 235.1%, true coverage 231.1%.
- ALLL / Loans
- 0.99%
- Coverage
- 235.1%
- True Loss Coverage
- 231.1%
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.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