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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2025-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

2025-Q1

Bank #901358 2025-Q1 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.48% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2024:
↑ +5 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +24
  • Asset Quality
    ↓ 0
  • Reserves
    ↓ -4

The five pillars

Liquidity

StableQoQ +1
70
Sub-score

Liquidity is stable: brokered 17.1%, loans/deposits 95.1%, cash 7.4% of assets.

Cash / Assets
7.42%
Loans / Deposits
95.08%
Brokered %
17.12%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.67%
No watch items at this period.

Capitalization

StrongQoQ +24
94
Sub-score

Capital position is strong: Tier 1 RBC 13.89%, CET1 13.89%, leverage 9.39%.

Tier 1 RBC
13.89%
CET1
13.89%
Leverage
9.39%
No watch items at this period.

Asset Quality

StrongQoQ 0
80
Sub-score

Asset quality is strong: Adjusted NPL 2.48%, Texas Ratio 18.0%, NCO YTD 0.14%.

Adjusted NPL
2.48%
Govt-guarantees stripped
Texas Ratio
18.0%
NCO YTD
0.14%
30-89 PD
0.44%
Band 0.3% / 3.0%
90+ PD
0.11%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.48% (govt-guarantees stripped).

Reserves

StableQoQ -4
64
Sub-score

Reserves are stable: ALLL 1.95% of loans, coverage 80.4%, true coverage 80.4%.

ALLL / Loans
1.95%
Coverage
80.4%
True Loss Coverage
80.4%
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