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Heritage Bank

IDRSSD: 666554
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
65
/ 100
StableAs of 2025-Q3QoQ -2

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

Quarterly Headline

2025-Q3

Bank #666554 2025-Q3 Vital Signs Score: 65/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Securities (risk).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.28% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ 0

The five pillars

Liquidity

StrongQoQ -1
83
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 62.5%, cash 2.3% of assets.

Cash / Assets
2.28%
Loans / Deposits
62.47%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.28% of assets (threshold 3%).

Securities

Risk
0
Sub-score

Securities profile is weak: securities 52.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
52.92%
No watch items at this period.

Capitalization

Watch
50
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 22.58%.

Tier 1 RBC
—
CET1
0.00%
Leverage
22.58%

Watch Items

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

Asset Quality

StrongQoQ -6
94
Sub-score

Asset quality is strong: Adjusted NPL 0.10%, Texas Ratio 0.2%, NCO YTD 0.00%.

Adjusted NPL
0.10%
Govt-guarantees stripped
Texas Ratio
0.2%
NCO YTD
0.00%
30-89 PD
1.26%
Band 0.3% / 3.0%
90+ PD
0.10%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ 0
83
Sub-score

Reserves are strong: ALLL 0.99% of loans, coverage 978.4%, true coverage 978.4%.

ALLL / Loans
0.99%
Coverage
978.4%
True Loss Coverage
978.4%
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 17:14:27 UTC