Liquidity
StrongQoQ +15
88
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 94.8%, cash 12.2% of assets.
- Cash / Assets
- 12.17%
- Loans / Deposits
- 94.77%
- Brokered %
- 0.00%
No watch items at this period.
Heritage Bank
IDRSSD: 3120897
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
84
/ 100
StrongAs of 2026-Q1QoQ +3
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 #3120897 2026-Q1 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).
Liquidity:Strong
Securities:Strong
Capitalization:Stable
Asset Quality:Stable
Reserves:Strong
Top 3 Watch Items
No watch items detected this quarter — every pillar within band.
What changed this quarter
Compared to Q4 2025:
↑ +3 ptscomposite
- Liquidity↑ +15
- Securities— —
- Capitalization↑ +1
- Asset Quality↓ -4
- Reserves↑ +2
The five pillars
Securities
Strong
100
Sub-score
Securities profile is strong: securities 14.0% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 14.04%
SVB watch metric
No watch items at this period.
Capitalization
StableQoQ +1
69
Sub-score
Capital position is stable: Tier 1 RBC 11.19%, CET1 11.19%, leverage 9.75%.
- Tier 1 RBC
- 11.19%
- CET1
- 11.19%
- Leverage
- 9.75%
No watch items at this period.
Asset Quality
StableQoQ -4
80
Sub-score
Asset quality is stable: Adjusted NPL 0.48%, Texas Ratio 3.4%, NCO YTD -0.02%.
- Adjusted NPL
- 0.48%
- Texas Ratio
- 3.4%
- NCO YTD
- -0.02%
- 30-89 PD
- 4.75%
- 90+ PD
- 0.47%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
No watch items at this period.
Reserves
StrongQoQ +2
94
Sub-score
Reserves are strong: ALLL 1.33% of loans, coverage 280.1%, true coverage 280.1%.
- ALLL / Loans
- 1.33%
- Coverage
- 280.1%
- True Loss Coverage
- 280.1%
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.tsfor 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: 2026-05-14 03:55:26 UTC