Visbanking Logo
Skip to main content

Texas Heritage National Bank

IDRSSD: 824653
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
72
/ 100
StableAs of 2025-Q3QoQ -5

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 #824653 2025-Q3 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. watch
    Brokered deposits above 30%
    Liquidity — Brokered 40.0% of deposits (threshold 30%).
  3. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 100.1% (threshold 100%).

What changed this quarter

Compared to Q2 2025:
↓ -5 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↓ -9
  • Asset Quality
    ↓ -15
  • Reserves
    ↑ +3

The five pillars

Liquidity

WatchQoQ +3
53
Sub-score

Liquidity is deteriorating: brokered 40.0%, loans/deposits 100.1%, cash 4.7% of assets.

Cash / Assets
4.68%
Loans / Deposits
100.14%
Brokered %
40.05%

Watch Items

  • watchBrokered deposits above 30% — Brokered 40.0% of deposits (threshold 30%).
  • infoLoans / Deposits above 100% — Loans/Deposits 100.1% (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 -9
44
Sub-score

Capital position is deteriorating: CET1 0.00%, leverage 9.27%.

Tier 1 RBC
—
CET1
0.00%
Leverage
9.27%

Watch Items

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

Asset Quality

StrongQoQ -15
85
Sub-score

Asset quality is strong: Adjusted NPL 0.52%, Texas Ratio 4.3%, NCO YTD 0.25%.

Adjusted NPL
0.52%
Govt-guarantees stripped
Texas Ratio
4.3%
NCO YTD
0.25%
30-89 PD
2.26%
Band 0.3% / 3.0%
90+ PD
0.22%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +3
92
Sub-score

Reserves are strong: ALLL 1.27% of loans, coverage 249.3%, true coverage 249.3%.

ALLL / Loans
1.27%
Coverage
249.3%
True Loss Coverage
249.3%
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: 2026-05-14 06:00:00 UTC