| Metric | Heritage Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +4.4% | +2.5 pts |
| Deposit growth (YoY) | +6.0% | +4.0% | +2.0 pts |
| Loan growth (YoY) | +17.1% | +5.6% | +11.5 pts |
| ROA | 1.28% | 1.24% | +0.0 pts |
| ROE | 16.3% | 11.9% | +4.5 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $417.8M | $377.3M | $353.5M | $33.4M | $2.7M | 1.28% | 4.16% | 0.48% |
| Q1 2026 | $417.9M | $373.7M | $347.1M | $32.5M | $1.6M | 1.55% | 4.14% | 0.34% |
| Q4 2025 | $406.2M | $363.9M | $339.4M | $31.7M | $3.4M | 0.87% | 4.00% | 0.59% |
| Q3 2025 | $401.5M | $360.2M | $315.1M | $30.4M | $2.3M | 0.79% | 3.95% | 0.60% |
| Q2 2025 | $390.8M | $356.1M | $302.0M | $28.9M | $1.3M | 0.66% | 3.85% | 0.82% |
| Q1 2025 | $402.9M | $369.3M | $298.9M | $28.6M | $619K | 0.63% | 3.69% | 1.02% |
| Q4 2024 | $386.6M | $354.0M | $295.7M | $27.5M | $2.9M | 0.78% | 3.68% | 0.88% |
| Q3 2024 | $377.8M | $344.4M | $280.7M | $27.6M | $2.0M | 0.72% | 3.67% | 0.17% |
Loan mix (Q2 2026): real estate $346.8M · commercial $8.9M · consumer $2.9M · securities $30.8M
| Ratio | Heritage Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 1.24% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 16.3% | 11.9% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.16% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.0% | 62.9% | 56th |
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 & Trust | 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 & Trust | 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 & Trust | 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 & Trust | 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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