Prioritised signals, accountable next steps and the evidence behind each recommendation.
Executive priorities — YTD through May 2026
8 checks · 8 conditions · 4 surfaced · written by claude-opus-5
highHeritage Valley Bank
Net interest margin down 19bps to 3.67% year on year
Net interest margin was 3.67% YTD through May 2026 versus 3.86% a year ago, with cost of funds up 53bps against earning-asset yield up 34bps. Net interest income held nearly flat at -$24K, as $840K of volume effect offset -$824K on rate — growth, not pricing, is carrying spread income.
→Take a deposit-beta and asset-repricing review to the next ALCO, with the rate and volume effects separated. CFO / ALCO
Net interest margin 3.67%Net interest margin a year ago 3.86%Change in net interest margin -19bpsNet interest income $17.1MNet interest income a year ago $17.2MChange in net interest income -$24K
highNorthgate Community
Northgate Community deposits fall 5.7% year on year, five straight months
Northgate Community held $116M of deposits at May 2026, down $7.0M or 5.7% from a year ago, against +3.8% bank-wide, with declines in each of the last five months. The branch holds 11.9% of the bank's $978M deposit book.
→Commission a deposit-retention review for Northgate Community: largest account movements, rate exceptions and local competitor pricing. Head of Retail Banking
Branch deposits $116MBranch deposits a year ago $123MYear-on-year change -5.65%
mediumCommercial real estate
CRE reaches 38.03% of gross loans, up 85bps over the year
CRE stands at $315M of an $827M book, or 38.03% of gross loans, up from 37.18% and $284M a year ago. Total CRE is 249.17% of the $126M total risk-based capital, inside the 300% interagency criterion, with construction at 46.42% 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 38.03%CRE share of gross loans a year ago 37.18%Change in CRE share +85bps
positiveHeritage Valley Bank
All four capital ratios clear well-capitalised thresholds, tightest headroom 460bps
Heritage Valley Bank's four regulatory capital ratios all clear their well-capitalised thresholds: total capital 14.60% against 10.00% (+460bps), tier 1 13.40% against 8.00% (+540bps), CET1 12.80% against 6.50% (+630bps), and leverage 9.81% against 5.00% (+481bps). 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
Ask SmarterFI
Intelligence by SmarterFI · AIOS at Work · YTD through May 2026
Checking bank data
Heritage Valley Bank · James R. Whitfield · data through May 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.