Board Package
Computed capital alongside separately dated, management-authored risk and strategic delivery.
Regulatory capital — as of March 2026
Confidential| Ratio | Current | Regulatory min | Well capitalised | Headroom | Status |
|---|---|---|---|---|---|
| CET1 capital ratio | 12.80% | 4.5% | 6.5% | +6.30pp | Well capitalised |
| Tier 1 capital ratio | 13.40% | 6.0% | 8.0% | +5.40pp | Well capitalised |
| Total capital ratio | 14.60% | 8.0% | 10.0% | +4.60pp | Well capitalised |
| Leverage ratio | 9.81% | 4.0% | 5.0% | +4.81pp | Well capitalised |
Thresholds are the prompt corrective action categories at 12 CFR 324.403(b). Capital arrives quarterly from call report software, so this section carries its own date.
Risk assessment
Management view · current as of July 2, 2026
Credit riskNonaccrual balances continue to fall, but past-due 30+ has risen three months running.Moderate
Interest rate risk+200bps shock: estimated net interest income impact −$1.9M over twelve months; within policy.Moderate
LiquidityNo reliance on wholesale funding. FHLB capacity unused and well above the board floor.Satisfactory
OperationalNo material incidents year to date. Annual control testing on schedule.Satisfactory
ComplianceCRA rating "Outstanding" at the last examination. No outstanding matters requiring attention.Satisfactory
Cyber and technologyCore conversion planning under way. Penetration test scheduled for September.Moderate
Strategic initiatives
Management view · current as of July 2, 2026
Digital banking platformOn track
Mobile launch 78% complete; user acceptance testing begins in August.
CTO / COO · target Q4 2026 · on track since Feb 2026
Small business expansionOn track
Two relationship managers hired; pipeline at $42M.
Chief Commercial Officer · target Q3 2026 · on track since Jan 2026
Lakeview private banking build-outOn track
Private banking team in place; deposit target raised after two years of growth above plan.
COO · target Q3 2026 · on track since Apr 2026
Core conversion planningAt risk
Vendor selection delayed six weeks. No revised date agreed.
CTO · target Q2 2027 · at risk since Mar 2026
Wealth management launchPlanning
RFP issued to three partners; decision expected in September.
CEO / CFO · target Q1 2027 · planning since May 2026
Ask SmarterFI
Intelligence by SmarterFI · Board Package · YTD through Apr 2026
Heritage Valley Bank · James R. Whitfield · data through April 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.