| Metric | Heritage Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +106.5% | +4.4% | +102.2 pts |
| Deposit growth (YoY) | +112.8% | +4.0% | +108.9 pts |
| Loan growth (YoY) | +70.5% | +5.6% | +64.9 pts |
| ROA | 1.74% | 1.24% | +0.5 pts |
| ROE | 16.0% | 11.9% | +4.2 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $324.9M | $278.6M | $234.7M | $36.1M | $2.8M | 1.74% | 4.39% | 0.94% |
| Q1 2026 | $335.8M | $244.9M | $232.1M | $35.2M | $1.5M | 1.79% | 4.35% | 0.33% |
| Q4 2025 | $311.1M | $235.1M | $231.9M | $34.1M | $2.4M | 1.14% | 4.36% | 0.03% |
| Q3 2025 | $290.6M | $234.0M | $217.4M | $33.7M | $1.6M | 1.16% | 4.08% | 0.98% |
| Q2 2025 | $157.3M | $130.9M | $137.7M | $14.3M | $1.1M | 1.52% | 4.11% | 0.00% |
| Q1 2025 | $149.5M | $128.1M | $129.3M | $13.7M | $512K | 1.40% | 3.93% | 0.00% |
| Q4 2024 | $142.3M | $119.8M | $122.6M | $13.2M | $1.5M | 1.16% | 4.07% | 0.00% |
| Q3 2024 | $134.6M | $114.9M | $112.1M | $13.1M | $1.3M | 1.39% | 4.10% | 0.00% |
Loan mix (Q2 2026): real estate $179.2M · commercial $39.4M · consumer $18.9M · securities $45.6M
| Ratio | Heritage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.74% | 1.24% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 16.0% | 11.9% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.39% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.6% | 62.9% | 17th |
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% |
The full ratio pack is part of CharterBench Pro.