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Heritage Bank National Association

IDRSSD: 901358
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 2 alerts active.

Summary

RSSD 901358 held $360.8M in total assets as of 2026-03-31 (-8.2% quarter-over-quarter). Total loans stood at $299.4M (-5.3% QoQ) and total deposits at $306.1M (-9.1% QoQ).

Overall position is weak — the composite Health Score is 28/100 (Weak). Tier 1 / RWA stands at 15.61%, in the above median of peers. Asset quality (NPL ratio) sits in the bottom decile of peers.

2 Quarterly Anomaly Alerts fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
28/100
Weak
Active Alerts
2
0 critical, 1 warning
Total Assets
$360.8M
-8.2% QoQ
Total Loans
$299.4M
-5.3% QoQ
Total Deposits
$306.1M
-9.1% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
15.61%
55th pctile · n=271↑ better
+92 bp QoQ
CET1 / RWA
15.61%
76th pctile · n=500↑ better
+93 bp QoQ
Total RBC / RWA
16.87%
58th pctile · n=271↑ better
+92 bp QoQ
Tier 1 Leverage Ratio
15.61%
76th pctile · n=500↑ better
+93 bp QoQ

Liquidity

Cash / Assets
5.02%
41th pctile · n=500↑ better
-332 bp QoQ
Loans / Deposits
97.80%
88th pctile · n=496↓ better
+388 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
3.47%
96th pctile · n=500↓ better
+11 bp QoQ
NPA / Assets
2.96%
97th pctile · n=500↓ better
+20 bp QoQ
Texas Ratio (regulatory)
23.39%
96th pctile · n=500↓ better
-8 bp QoQ
Net Charge-Offs / Avg Loans
0.10%
83th pctile · n=500↓ better
-3 bp QoQ
ALLL Coverage of NPL
58.44%
25th pctile · n=500↑ better
+56 bp QoQ

Earnings

Net Interest Margin
3.63%
38th pctile · n=500↑ better
+9 bp QoQ
Return on Assets
-0.52%
2th pctile · n=500↑ better
-73 bp QoQ
Return on Equity
-5.14%
2th pctile · n=500↑ better
-735 bp QoQ
Efficiency Ratio
113.29%
98th pctile · n=500↓ better
+1798 bp QoQ
Pre-tax NOI / Avg Assets
-0.52%
2th pctile · n=500↑ better
-73 bp QoQ

Funding

Brokered / Deposits
7.27%
84th pctile · n=496↓ better
-1074 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
3.64%
72th pctile · n=500↓ better
+14 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
7.38%
21th pctile · n=500↑ better
+39 bp QoQ
AFS Securities / Assets
6.57%
24th pctile · n=500↑ better
+33 bp QoQ
HTM Securities / Assets
0.81%
79th pctile · n=500↑ better
+7 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-12 21:21:50 UTC