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Heritage Bank National Association

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

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2023-Q4QoQ +32

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #901358 2023-Q4 Vital Signs Score: 79/100 — 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

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 102.7% (threshold 100%).

What changed this quarter

Compared to Q3 2023:
↑ +32 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +94
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +3
65
Sub-score

Liquidity is stable: brokered 21.0%, loans/deposits 102.7%, cash 8.0% of assets.

Cash / Assets
7.95%
Loans / Deposits
102.72%
Brokered %
20.99%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 102.7% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.52%
No watch items at this period.

Capitalization

WatchQoQ -1
49
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.81%, CET1 9.81%, leverage 7.10%.

Tier 1 RBC
9.81%
CET1
9.81%
Leverage
7.10%
No watch items at this period.

Asset Quality

StrongQoQ +94
94
Sub-score

Asset quality is strong: Adjusted NPL 0.44%, Texas Ratio 4.3%, NCO YTD 0.77%.

Adjusted NPL
0.44%
Govt-guarantees stripped
Texas Ratio
4.3%
NCO YTD
0.77%
30-89 PD
0.23%
Band 0.3% / 3.0%
90+ PD
0.09%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 1.66% of loans, coverage 383.4%, true coverage 383.4%.

ALLL / Loans
1.66%
Coverage
383.4%
True Loss Coverage
383.4%
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: 2026-05-12 21:21:25 UTC