Prioritised signals, accountable next steps and the evidence behind each recommendation.
Executive priorities — YTD through Apr 2026
8 checks · 8 conditions · 4 surfaced · written by claude-opus-5
highHeritage Valley Bank
Net interest margin fell 17bps to 3.71% year on year
Net interest margin was 3.71% YTD through Apr 2026 versus 3.88% a year earlier, with cost of funds up 51bps against a 34bps rise in earning-asset yield. Net interest income rose just $45K, as $678K of volume effect offset a -$604K rate effect and -$30K interaction.
→Take a deposit-beta and asset-repricing review to the next ALCO, with the rate and volume effects separated. CFO / ALCO
Net interest margin 3.71%Net interest margin a year ago 3.88%Change in net interest margin -17bpsNet interest income $13.7MNet interest income a year ago $13.7MChange in net interest income $45K
mediumCommercial real estate
CRE reaches 37.96% of gross loans, up 85bps over the year
Commercial real estate is $312M of the $822M loan book, or 37.96% of gross loans, up from 37.11% and $282M a year ago. Total CRE sits at 247.09% of the $126M total risk-based capital, inside the 300% interagency criterion, with construction at 46.03% against the 100% criterion.
→Review the CRE concentration limits and the enhanced risk-management practices the interagency guidance expects. Chief Credit Officer
CRE share of gross loans 37.96%CRE share of gross loans a year ago 37.11%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 0.38% year on year, operating cost of 1.48% per dollar of deposits, $6.4M deposits per FTE and $3.6M loans per FTE. The branch holds $70.4M of deposits, 7.23% 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 $70.4MYear-on-year deposit growth 0.38%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; Tier 1 is 13.40%, CET1 12.80% and leverage 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 Apr 2026
Checking bank data
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.