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Texas Heritage National Bank

IDRSSD: 824653
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
68
/ 100
StableAs of 2025-Q4QoQ -4

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 #824653 2025-Q4 Vital Signs Score: 68/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 101.1% (threshold 100%).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.11%.

What changed this quarter

Compared to Q3 2025:
↓ -4 ptscomposite
  • Liquidity
    ↑ +13
  • Securities
    — —
  • Capitalization
    ↑ +18
  • Asset Quality
    ↓ -22
  • Reserves
    ↓ -33

The five pillars

Liquidity

StableQoQ +13
66
Sub-score

Liquidity is stable: brokered 18.6%, loans/deposits 101.1%, cash 7.1% of assets.

Cash / Assets
7.11%
Loans / Deposits
101.06%
Brokered %
18.56%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 101.1% (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

StableQoQ +18
62
Sub-score

Capital position is stable: Tier 1 RBC 10.60%, CET1 10.60%, leverage 9.60%.

Tier 1 RBC
10.60%
CET1
10.60%
Leverage
9.60%
No watch items at this period.

Asset Quality

StableQoQ -22
62
Sub-score

Asset quality is stable: Adjusted NPL 1.40%, Texas Ratio 11.2%, NCO YTD 0.81%.

Adjusted NPL
1.40%
Govt-guarantees stripped
Texas Ratio
11.2%
NCO YTD
0.81%
30-89 PD
2.62%
Band 0.3% / 3.0%
90+ PD
1.11%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.11%.

Reserves

WatchQoQ -33
59
Sub-score

Reserves are deteriorating: ALLL 1.21% of loans, coverage 87.0%, true coverage 87.0%.

ALLL / Loans
1.21%
Coverage
87.0%
True Loss Coverage
87.0%
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