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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2025-Q4QoQ -7

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

Quarterly Headline

2025-Q4

Bank #499743 2025-Q4 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 108.3% (threshold 100%).
  2. watch
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.61% of loans.

What changed this quarter

Compared to Q3 2025:
↓ -7 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +11
  • Asset Quality
    ↓ -21
  • Reserves
    ↓ -28

The five pillars

Liquidity

StableQoQ -1
71
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 108.3%, cash 5.8% of assets.

Cash / Assets
5.77%
Loans / Deposits
108.26%
Brokered %
0.00%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 108.3% (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 +11
51
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.91%, CET1 9.91%, leverage 8.52%.

Tier 1 RBC
9.91%
CET1
9.91%
Leverage
8.52%
No watch items at this period.

Asset Quality

StableQoQ -21
73
Sub-score

Asset quality is stable: Adjusted NPL 1.93%, Texas Ratio 18.7%, NCO YTD 1.61%.

Adjusted NPL
1.93%
Govt-guarantees stripped
Texas Ratio
18.7%
NCO YTD
1.61%
30-89 PD
0.27%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • watchNet charge-offs elevated — NCO YTD 1.61% of loans.

Reserves

WatchQoQ -28
44
Sub-score

Reserves are deteriorating: ALLL 1.23% of loans, coverage 64.6%, true coverage 64.6%.

ALLL / Loans
1.23%
Coverage
64.6%
True Loss Coverage
64.6%
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