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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-Q4

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

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2025-Q4QoQ 0

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 #203043 2025-Q4 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 109.4% (threshold 100%).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.59% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +8
  • Reserves
    ↓ -13

The five pillars

Liquidity

StableQoQ -1
64
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 109.4%, cash 2.6% of assets.

Cash / Assets
2.59%
Loans / Deposits
109.44%
Brokered %
0.00%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 109.4% (threshold 100%).
  • infoCash / Assets below 3% — Cash 2.59% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 1.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
1.89%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.54%, CET1 16.54%, leverage 14.05%.

Tier 1 RBC
16.54%
CET1
16.54%
Leverage
14.05%
No watch items at this period.

Asset Quality

StrongQoQ +8
90
Sub-score

Asset quality is strong: Adjusted NPL 1.59%, Texas Ratio 8.6%, NCO YTD 0.02%.

Adjusted NPL
1.59%
Govt-guarantees stripped
Texas Ratio
8.6%
NCO YTD
0.02%
30-89 PD
0.04%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -13
34
Sub-score

Reserves are weak: ALLL 0.98% of loans, coverage 62.3%, true coverage 62.3%.

ALLL / Loans
0.98%
Coverage
62.3%
True Loss Coverage
62.3%
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