| Metric | Heritage Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +19.2% | +5.5% | +13.8 pts |
| Deposit growth (YoY) | +21.7% | +5.1% | +16.7 pts |
| Loan growth (YoY) | +20.4% | +5.9% | +14.5 pts |
| ROA | 1.05% | 1.26% | -0.2 pts |
| ROE | 7.9% | 12.2% | -4.3 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $8.42B | $7.04B | $5.69B | $1.12B | $41.8M | 1.05% | 4.12% | 0.19% |
| Q1 2026 | $8.49B | $7.26B | $5.66B | $1.12B | $22.2M | 1.15% | 4.07% | 0.19% |
| Q4 2025 | $6.96B | $5.93B | $4.73B | $933.2M | $75.2M | 1.07% | 3.63% | 0.30% |
| Q3 2025 | $7.01B | $5.86B | $4.72B | $915.8M | $51.1M | 0.96% | 3.57% | 0.30% |
| Q2 2025 | $7.07B | $5.79B | $4.72B | $903.8M | $29.8M | 0.84% | 3.50% | 0.26% |
| Q1 2025 | $7.13B | $5.85B | $4.71B | $895.6M | $15.7M | 0.89% | 3.45% | 0.06% |
| Q4 2024 | $7.10B | $5.69B | $4.75B | $878.0M | $50.3M | 0.71% | 3.37% | 0.07% |
| Q3 2024 | $7.15B | $5.71B | $4.63B | $890.9M | $36.5M | 0.68% | 3.34% | 0.15% |
Loan mix (Q2 2026): real estate $4.60B · commercial $745.3M · consumer $12.4M · securities $1.63B
| Ratio | Heritage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 1.26% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 12.2% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.5% | 59.0% | 74th |
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 | 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 | 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 | 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 | 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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