Prioritised signals, accountable next steps and the evidence behind each recommendation.
Executive priorities — YTD through Mar 2026
8 checks · 8 conditions · 4 surfaced · written by claude-opus-5
highHeritage Valley Bank
Net interest margin 3.72%, -16bps year on year
Net interest margin was 3.72% for YTD through Mar 2026, against 3.88% in the same period last year. The cost of funds moved +50bps while the yield on earning assets moved +34bps, and splitting the $78K change in net interest income leaves -$414K on rate against $512K on volume — the larger of the two is the volume effect.
→Take a deposit-beta and asset-repricing review to the next ALCO, with the rate and volume effects separated. CFO / ALCO
Net interest margin 3.72%Net interest margin a year ago 3.88%Change in net interest margin -16bpsNet interest income $10.3MNet interest income a year ago $10.3MChange in net interest income $78K
mediumCommercial real estate
CRE reaches 37.89% of gross loans, up 85bps over the year
Commercial real estate is $309M of the $817M loan book, or 37.89% of gross loans, up from 37.04% and $279M a year ago. Total CRE stands at 245.02% of the $126M total risk-based capital, inside the 300% interagency criterion, with the mix continuing to shift.
→Review the CRE concentration limits and the enhanced risk-management practices the interagency guidance expects. Chief Credit Officer
CRE share of gross loans 37.89%CRE share of gross loans a year ago 37.04%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 1.10% per dollar of deposits, $6.5M deposits per FTE and $3.6M loans per FTE. The branch holds $71.0M of deposits, 7.24% 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 $71.0MYear-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 March 2026
Total capital stands at 14.60% against a 10.00% threshold, the tightest of the four at +460bps of headroom, alongside Tier 1 at 13.40%, CET1 at 12.80% and leverage at 9.81%. Heritage Valley Bank remains well capitalised on every measure, and no capital action is required this quarter.
Total capital ratio 14.60%Total capital ratio — well-capitalised threshold 10.00%Total capital ratio — headroom +460bps
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Intelligence by SmarterFI · AIOS at Work · YTD through Mar 2026
Checking bank data
Heritage Valley Bank · James R. Whitfield · data through March 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.