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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-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2025-Q2QoQ 0

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

Quarterly Headline

2025-Q2

Bank #901358 2025-Q2 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.08% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -4
  • Reserves
    ↑ +7

The five pillars

Liquidity

StableQoQ -7
64
Sub-score

Liquidity is stable: brokered 18.0%, loans/deposits 97.3%, cash 5.2% of assets.

Cash / Assets
5.20%
Loans / Deposits
97.32%
Brokered %
17.96%
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
0.70%
No watch items at this period.

Capitalization

StrongQoQ +4
98
Sub-score

Capital position is strong: Tier 1 RBC 14.34%, CET1 14.34%, leverage 9.84%.

Tier 1 RBC
14.34%
CET1
14.34%
Leverage
9.84%
No watch items at this period.

Asset Quality

StableQoQ -4
76
Sub-score

Asset quality is stable: Adjusted NPL 2.08%, Texas Ratio 15.1%, NCO YTD 0.72%.

Adjusted NPL
2.08%
Govt-guarantees stripped
Texas Ratio
15.1%
NCO YTD
0.72%
30-89 PD
0.95%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.08% (govt-guarantees stripped).

Reserves

StableQoQ +7
71
Sub-score

Reserves are stable: ALLL 1.85% of loans, coverage 90.3%, true coverage 90.3%.

ALLL / Loans
1.85%
Coverage
90.3%
True Loss Coverage
90.3%
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