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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 — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
77
/ 100
StableAs of 2024-Q4QoQ +4

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 #901358 2024-Q4 Vital Signs Score: 77/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Stable

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.10% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2024:
↑ +4 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +8
  • Reserves
    ↑ +9

The five pillars

Liquidity

StableQoQ +1
70
Sub-score

Liquidity is stable: brokered 15.6%, loans/deposits 97.5%, cash 7.2% of assets.

Cash / Assets
7.19%
Loans / Deposits
97.52%
Brokered %
15.64%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.60%
No watch items at this period.

Capitalization

StableQoQ +2
70
Sub-score

Capital position is stable: Tier 1 RBC 11.82%, CET1 11.82%, leverage 8.22%.

Tier 1 RBC
11.82%
CET1
11.82%
Leverage
8.22%
No watch items at this period.

Asset Quality

StrongQoQ +8
81
Sub-score

Asset quality is strong: Adjusted NPL 2.10%, Texas Ratio 17.5%, NCO YTD 0.54%.

Adjusted NPL
2.10%
Govt-guarantees stripped
Texas Ratio
17.5%
NCO YTD
0.54%
30-89 PD
0.34%
Band 0.3% / 3.0%
90+ PD
0.08%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.10% (govt-guarantees stripped).

Reserves

StableQoQ +9
68
Sub-score

Reserves are stable: ALLL 1.78% of loans, coverage 85.9%, true coverage 85.9%.

ALLL / Loans
1.78%
Coverage
85.9%
True Loss Coverage
85.9%
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