Prioritised signals, accountable next steps and the evidence behind each recommendation.
Executive priorities — YTD 2026
8 checks · 9 conditions · 4 surfaced · written by claude-opus-5
highHeritage Valley Bank
Past due 30+ reaches 1.15%, up 27bps over the year
Loans 30 or more days past due were 1.15% of the $833M book at June 2026, versus 0.88% a year ago, rising in each of the last 3 months. Allowance coverage is 1.36% of loans, up 2bps over the year, and that is the figure to weigh this trend against.
→Ask for delinquency roll rates and a vintage breakdown by segment at the next credit committee. Chief Credit Officer
Past due 30+ 1.15%Past due 30+ a year ago 0.88%Change in past due 30+ +27bpsConsecutive months of increase 3Past due 30+ six months ago 0.86%NPL ratio 0.95%
highHeritage Valley Bank
Net interest margin narrows 20bps to 3.66% year on year
YTD 2026 net interest margin was 3.66% against 3.86% a year ago, with cost of funds up 54bps and earning-asset yield up 34bps. Net interest income fell $125K on $1.13B of average earning assets, and the rate effect of -$1.1M outweighed the $1.0M 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 3.66%Net interest margin a year ago 3.86%Change in net interest margin -20bps
highNorthgate Community
Northgate Community deposits down 6.7% year on year
Northgate Community held $116M of deposits at June 2026, down $8.4M from $124M a year ago, a 6.7% decline against +3.6% bank-wide, with deposits falling in each of the last 6 months. The branch is 11.7% of the bank's $986M 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 $124MYear-on-year change -6.74%
positiveHeritage Valley Bank
All four capital ratios clear well-capitalised thresholds at June 2026
Heritage Valley Bank's four regulatory capital ratios clear their well-capitalised thresholds at June 2026, the tightest being total capital at 14.58% against 10.00% — 458bps of headroom. No capital action is required this quarter.
Total capital ratio 14.58%Total capital ratio — well-capitalised threshold 10.00%Total capital ratio — headroom +458bps
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Checking bank data
Heritage Valley Bank · James R. Whitfield · data through June 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.