Prioritised signals, accountable next steps and the evidence behind each recommendation.
Executive priorities — YTD through Jan 2026
8 checks · 7 conditions · 4 surfaced · written by claude-opus-5
highHeritage Valley Bank
Net interest margin falls 12bps to 3.63% year on year
Net interest margin was 3.63% for YTD through January 2026 versus 3.76% a year ago, with cost of funds up 45bps against a 33bps rise in earning-asset yield. Net interest income rose $56K, holding up on $172K of volume against -$111K on rate.
→Take a deposit-beta and asset-repricing review to the next ALCO, with the rate and volume effects separated. CFO / ALCO
Net interest margin 3.63%Net interest margin a year ago 3.76%Change in net interest margin -12bpsNet interest income $3.5MNet interest income a year ago $3.4MChange in net interest income $56K
mediumCommercial real estate
CRE reaches 37.75% of gross loans, up 85bps in a year
Commercial real estate is $304M of the $806M loan book, or 37.75% of gross loans, up from 36.90% and $275M a year ago. Total CRE stands at 241.55% of $126M total risk-based capital, inside the 300% interagency criterion, so the shift is in mix rather than the threshold.
→Review the CRE concentration limits and the enhanced risk-management practices the interagency guidance expects. Chief Credit Officer
CRE share of gross loans 37.75%CRE share of gross loans a year ago 36.90%Change in CRE share +85bps
mediumEastside Retail
Eastside Retail ranks in weakest two branches on all four measures
Eastside Retail sits in the weakest 2 of 7 branches on 4 of 4 measures: deposit growth of 0.36% year on year, operating cost of 0.37% per dollar of deposits, $6.4M deposits per FTE and $3.6M loans per FTE. The branch holds $70.5M of deposits, 7.26% of the bank's book, and this ranking is against the bank's own branches, not an external benchmark.
→Put Eastside Retail on the next branch performance review with a named improvement plan and a date. Head of Retail Banking
Branch deposits $70.5MYear-on-year deposit growth 0.36%Year-on-year deposit growth — rank among branches, worst first 2
positiveHeritage Valley Bank
All four capital ratios clear well-capitalised thresholds at December 2025
Total capital stands at 14.63% against a 10.00% threshold, the tightest of the four at +463bps of headroom; Tier 1 is 13.43%, CET1 12.83% and leverage 9.83%. No capital action is required this quarter.
Total capital ratio 14.63%Total capital ratio — well-capitalised threshold 10.00%Total capital ratio — headroom +463bps
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Intelligence by SmarterFI · AIOS at Work · YTD through Jan 2026
Checking bank data
Heritage Valley Bank · James R. Whitfield · data through January 2026 · load vintage v-2026-07-02-core Every figure is computed from the fact store. Open a KPI to see its formula and source rows.