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Midwest Heritage Bank Fsb

IDRSSD: 203043
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
90
/ 100
StrongAs of 2025-Q2QoQ -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-Q2

Bank #203043 2025-Q2 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Liquidity (stable).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.9% (threshold 100%).

What changed this quarter

Compared to Q1 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ 0

The five pillars

Liquidity

StableQoQ -2
71
Sub-score

Liquidity is stable: brokered 2.1%, loans/deposits 101.9%, cash 4.6% of assets.

Cash / Assets
4.58%
Loans / Deposits
101.92%
Brokered %
2.14%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.9% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.27%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.95%, CET1 16.95%, leverage 13.24%.

Tier 1 RBC
16.95%
CET1
16.95%
Leverage
13.24%
No watch items at this period.

Asset Quality

StrongQoQ -5
93
Sub-score

Asset quality is strong: Adjusted NPL 0.11%, Texas Ratio 0.6%, NCO YTD 0.04%.

Adjusted NPL
0.11%
Govt-guarantees stripped
Texas Ratio
0.6%
NCO YTD
0.04%
30-89 PD
1.43%
Band 0.3% / 3.0%
90+ PD
0.10%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ 0
85
Sub-score

Reserves are strong: ALLL 1.04% of loans, coverage 987.8%, true coverage 987.8%.

ALLL / Loans
1.04%
Coverage
987.8%
True Loss Coverage
987.8%
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: 2026-05-13 16:50:17 UTC