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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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2026-Q1QoQ -1

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

Quarterly Headline

2026-Q1

Bank #901358 2026-Q1 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.54% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -3
  • Reserves
    ↑ 0

The five pillars

Liquidity

StableQoQ -2
70
Sub-score

Liquidity is stable: brokered 7.3%, loans/deposits 97.8%, cash 5.0% of assets.

Cash / Assets
5.02%
Loans / Deposits
97.80%
Brokered %
7.27%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.81%
No watch items at this period.

Capitalization

StrongQoQ 0
100
Sub-score

Capital position is strong: Tier 1 RBC 15.61%, CET1 15.61%, leverage 10.60%.

Tier 1 RBC
15.61%
CET1
15.61%
Leverage
10.60%
No watch items at this period.

Asset Quality

StableQoQ -3
65
Sub-score

Asset quality is stable: Adjusted NPL 3.54%, Texas Ratio 23.2%, NCO YTD 0.10%.

Adjusted NPL
3.54%
Govt-guarantees stripped
Texas Ratio
23.2%
NCO YTD
0.10%
30-89 PD
1.50%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.54% (govt-guarantees stripped).

Reserves

WatchQoQ 0
49
Sub-score

Reserves are deteriorating: ALLL 2.03% of loans, coverage 58.4%, true coverage 58.4%.

ALLL / Loans
2.03%
Coverage
58.4%
True Loss Coverage
58.4%
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