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Heritage Bank

IDRSSD: 666554
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
58
/ 100
WatchAs of 2025-Q1QoQ -8

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 #666554 2025-Q1 Vital Signs Score: 58/100 — overall watch. Strongest pillar: Liquidity (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.02%.

What changed this quarter

Compared to Q4 2024:
↓ -8 ptscomposite
  • Liquidity
    ↑ +10
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -28
  • Reserves
    ↓ -21

The five pillars

Liquidity

StrongQoQ +10
96
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 52.4%, cash 8.2% of assets.

Cash / Assets
8.22%
Loans / Deposits
52.43%
Brokered %
0.00%
No watch items at this period.

Securities

Risk
0
Sub-score

Securities profile is weak: securities 52.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
52.47%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 20.68%.

Tier 1 RBC
—
CET1
0.00%
Leverage
20.68%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ -28
70
Sub-score

Asset quality is stable: Adjusted NPL 1.02%, Texas Ratio 1.8%, NCO YTD 0.00%.

Adjusted NPL
1.02%
Govt-guarantees stripped
Texas Ratio
1.8%
NCO YTD
0.00%
30-89 PD
3.74%
Band 0.3% / 3.0%
90+ PD
1.02%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.02%.

Reserves

StableQoQ -21
60
Sub-score

Reserves are stable: ALLL 1.00% of loans, coverage 98.9%, true coverage 98.9%.

ALLL / Loans
1.00%
Coverage
98.9%
True Loss Coverage
98.9%
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 17:14:27 UTC