Liquidity
StrongQoQ +20
100
Sub-score
Liquidity is strong: brokered 0.0%, loans/deposits 64.3%, cash 11.3% of assets.
- Cash / Assets
- 11.31%
- Loans / Deposits
- 64.31%
- Brokered %
- 0.00%
No watch items at this period.
Heritage Bank
IDRSSD: 666554
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability
Bank Vital Signs Report
5-pillar quarterly review (Liquidity, Securities, Capitalization, Asset Quality, Reserves) for 2026-Q1. Composite Vital Signs Score and ranked Watch Items.
Synthesis
Vital Signs Score
59
/ 100
WatchAs 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 #666554 2026-Q1 Vital Signs Score: 59/100 — overall watch. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).
Liquidity:Strong
Securities:Risk
Capitalization:Watch
Asset Quality:Stable
Reserves:Watch
Top 3 Watch Items
- riskCET1 below 7%Capitalization — CET1 0.00% (threshold 7%).
- info90+ days past due elevatedAsset Quality — 90+ PD 1.40%.
What changed this quarter
Compared to Q4 2025:
↓ -3 ptscomposite
- Liquidity↑ +20
- Securities↑ +25
- Capitalization— —
- Asset Quality↓ -20
- Reserves↓ -41
The five pillars
Securities
RiskQoQ +25
25
Sub-score
Securities profile is weak: securities 42.5% of assets.
- MtM Loss / Tier 1
- —
- Securities / Assets
- 42.45%
SVB watch metric
No watch items at this period.
Capitalization
Watch
50
Sub-score
Capital position is deteriorating: CET1 0.00%, leverage 22.55%.
- Tier 1 RBC
- —
- CET1
- 0.00%
- Leverage
- 22.55%
Watch Items
- riskCET1 below 7% — CET1 0.00% (threshold 7%).
Asset Quality
StableQoQ -20
64
Sub-score
Asset quality is stable: Adjusted NPL 1.40%, Texas Ratio 2.7%, NCO YTD 0.00%.
- Adjusted NPL
- 1.40%
- Texas Ratio
- 2.7%
- NCO YTD
- 0.00%
- 30-89 PD
- 3.03%
- 90+ PD
- 1.40%
Govt-guarantees stripped
Band 0.3% / 3.0%
Band 0.1% / 2.0%
Watch Items
- info90+ days past due elevated — 90+ PD 1.40%.
Reserves
WatchQoQ -41
42
Sub-score
Reserves are deteriorating: ALLL 1.00% of loans, coverage 72.1%, true coverage 72.1%.
- ALLL / Loans
- 1.00%
- Coverage
- 72.1%
- True Loss Coverage
- 72.1%
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%. Pillars with no available metrics are dropped from the denominator (renormalised). See
functions/src/vitalSignsScore.tsfor exact formula and sub-score band anchors. - Pillar status
- Strong ≥ 80, Stable ≥ 60, Watch ≥ 40, Risk < 40. Bands are scoring buckets, NOT regulatory thresholds.
- Watch Items
- Per-pillar rule trips with severity (Risk / Watch / Info) assigned by how far the metric breaches its threshold. Top-3 panel ranks across pillars: severity dominates, magnitude breaks ties.
- Adjusted NPL
- Noncurrent loans minus government-guaranteed nonaccrual (sourced from FFIEC Schedule RC-N Memorandum item 2). Strips out exposure with implicit US government backing, the same formula used by the Loan Restructuring Watch builder.
- True Loss Coverage Ratio
- ALLL ÷ (Adjusted NPL + Performing Mods). Surfaces under-reservation that conventional ALLL/NPL hides when banks aggressively modify rather than charge off.
- Past-due 30-89 / 90+ PD
- Bank-wide totals from FFIEC Schedule RC-N (30-89 days past due and 90+ days past due still accruing) divided by total loans and leases (net of unearned income). Score bands: 30-89 PD Good 0.3% / Bad 3.0%; 90+ PD Good 0.1% / Bad 2.0%.
- 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, Watch Item rules, and per-quarter URL surface are Visbanking's own work.
Generated: 2026-05-12 17:14:27 UTC