Prioritised signals, accountable next steps and the evidence behind each recommendation.
Executive priorities — YTD through Feb 2026
8 checks · 7 conditions · 4 surfaced · written by claude-opus-5
highHeritage Valley Bank
Net interest margin fell 14bps to 3.80% year on year
Net interest margin was 3.80% YTD through Feb 2026 against 3.94% a year earlier, with cost of funds up 49bps and earning-asset yield up 35bps. Net interest income rose $83K, splitting into $343K on volume and -$248K on rate, so balance-sheet growth is carrying earnings while spread narrows.
→Take a deposit-beta and asset-repricing review to the next ALCO, with the rate and volume effects separated. CFO / ALCO
Net interest margin 3.80%Net interest margin a year ago 3.94%Change in net interest margin -14bpsNet interest income $6.9MNet interest income a year ago $6.8MChange in net interest income $83K
mediumCommercial real estate
CRE reaches 37.82% of gross loans, up 85bps over the year
Commercial real estate is $307M of the $811M book, or 37.82% of gross loans, up from 36.97% and $277M a year ago. At 243.58% of the $126M total risk-based capital, CRE sits inside the 300% interagency criterion, but the mix continues to shift toward it.
→Review the CRE concentration limits and the enhanced risk-management practices the interagency guidance expects. Chief Credit Officer
CRE share of gross loans 37.82%CRE share of gross loans a year ago 36.97%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 all 4 measures: deposit growth of 0.36% year-on-year, operating cost of 0.74% per dollar of deposits, $6.4M deposits per FTE and $3.6M loans per FTE. The branch holds $70.8M of deposits, 7.25% of the bank's book.
→Put Eastside Retail on the next branch performance review with a named improvement plan and a date. Head of Retail Banking
Branch deposits $70.8MYear-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, tightest headroom 463bps
At December 2025 Heritage Valley Bank's four regulatory capital ratios sit above their well-capitalised thresholds, the tightest being total capital at 14.63% against 10.00%, or +463bps of headroom. 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 Feb 2026
Checking bank data
Heritage Valley Bank · James R. Whitfield · data through February 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.