| Metric | Heritage Bank, Inc. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.3% | +5.5% | +3.8 pts |
| Deposit growth (YoY) | +8.1% | +5.1% | +3.1 pts |
| Loan growth (YoY) | +2.8% | +5.9% | -3.1 pts |
| ROA | 1.03% | 1.26% | -0.2 pts |
| ROE | 15.2% | 12.2% | +3.0 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.99B | $1.83B | $1.22B | $144.2M | $10.5M | 1.03% | 3.54% | 0.30% |
| Q1 2026 | $2.00B | $1.84B | $1.26B | $136.4M | $5.1M | 1.00% | 3.46% | 0.17% |
| Q4 2025 | $2.09B | $1.93B | $1.26B | $134.2M | $20.6M | 1.08% | 3.42% | 0.19% |
| Q3 2025 | $1.89B | $1.72B | $1.25B | $125.1M | $13.9M | 1.00% | 3.38% | 0.19% |
| Q2 2025 | $1.82B | $1.69B | $1.19B | $113.7M | $8.8M | 0.96% | 3.32% | 0.24% |
| Q1 2025 | $1.82B | $1.69B | $1.15B | $108.8M | $4.1M | 0.89% | 3.21% | 0.14% |
| Q4 2024 | $1.88B | $1.73B | $1.14B | $103.5M | $16.7M | 0.94% | 2.71% | 0.26% |
| Q3 2024 | $1.76B | $1.61B | $1.11B | $110.6M | $10.5M | 0.80% | 2.60% | 0.26% |
Loan mix (Q2 2026): real estate $1.01B · commercial $192.8M · consumer $29.4M · securities $430.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Heritage Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 1.26% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 15.2% | 12.2% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.7% | 59.0% | 62th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Heritage Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Heritage Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Heritage Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Heritage Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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