Prioritised signals, accountable next steps and the evidence behind each recommendation.
Executive priorities — FY 2025
8 checks · 7 conditions · 4 surfaced · written by claude-opus-5
mediumCommercial real estate
CRE concentration rises 85bps to 37.68% of gross loans
Commercial real estate is $301M of the $799M book, or 37.68% of gross loans, up from 36.83% a year ago. Total CRE stands at 238.96% of the $126M total risk-based capital, inside the 300% interagency criterion, so what is moving is the mix rather than the threshold.
→Review the CRE concentration limits and the enhanced risk-management practices the interagency guidance expects. Chief Credit Officer
CRE share of gross loans 37.68%CRE share of gross loans a year ago 36.83%Change in CRE share +85bpsCRE balance $301MCRE balance a year ago $273MGross loans $799M
mediumEastside Retail
Eastside Retail is among the weakest branches on 4 of 4 measures
Eastside Retail sits in the weakest 2 of 7 branches on 4 of 4 measures: year-on-year deposit growth, operating cost per dollar of deposits, deposits per FTE, loans per FTE. It holds $71.7M of deposits, 7.3% of the book. This is a ranking against the bank's own branches, not against an external benchmark.
→Put Eastside Retail on the next branch performance review with a named improvement plan and a date. Head of Retail Banking
Branch deposits $71.7MYear-on-year deposit growth 0.79%Year-on-year deposit growth — rank among branches, worst first 2
mediumNorthgate Community
Northgate Community ranks weakest on three of four branch measures
Northgate Community sits in the weakest 2 of 7 branches on deposit growth (-1.01%), operating cost per dollar of deposits (3.94%) and loans per FTE ($4.4M). The branch holds $124M of deposits, 12.64% of the bank's book, on an internal ranking rather than an external benchmark.
→Put Northgate Community on the next branch performance review with a named improvement plan and a date. Head of Retail Banking
Branch deposits $124MYear-on-year deposit growth -1.01%Year-on-year deposit growth — rank among branches, worst first 1
positiveHeritage Valley Bank
Revenue growth outpaced expense growth by 3.4pp in FY 2025
Revenue rose 6.90% to $48.2M while non-interest expense rose 3.55% to $30.9M, positive jaws of +3.4pp. The efficiency ratio improved 207bps to 64.04% from 66.11%, meaning more of each revenue dollar reaches the bottom line.
→Protect the expense run rate in the next budget cycle; the gap is what is funding the efficiency gain. COO
Intelligence by SmarterFI · AIOS at Work · FY 2025
Checking bank data
Heritage Valley Bank · James R. Whitfield · data through December 2025 · 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.