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Heritage Community Bank

IDRSSD: 499743
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
75
/ 100
StableAs of 2025-Q1QoQ -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-Q1

Bank #499743 2025-Q1 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.4% (threshold 100%).

What changed this quarter

Compared to Q4 2024:
↓ -2 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +4
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -19

The five pillars

Liquidity

StableQoQ +1
75
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 100.4%, cash 5.5% of assets.

Cash / Assets
5.45%
Loans / Deposits
100.40%
Brokered %
0.00%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 100.4% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

WatchQoQ +4
44
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.57%, CET1 9.57%, leverage 7.83%.

Tier 1 RBC
9.57%
CET1
9.57%
Leverage
7.83%
No watch items at this period.

Asset Quality

StrongQoQ -3
93
Sub-score

Asset quality is strong: Adjusted NPL 1.05%, Texas Ratio 10.7%, NCO YTD 0.00%.

Adjusted NPL
1.05%
Govt-guarantees stripped
Texas Ratio
10.7%
NCO YTD
0.00%
30-89 PD
0.55%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -19
71
Sub-score

Reserves are stable: ALLL 1.21% of loans, coverage 115.7%, true coverage 115.7%.

ALLL / Loans
1.21%
Coverage
115.7%
True Loss Coverage
115.7%
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: 2026-05-14 23:40:54 UTC