| Metric | Heritage Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +4.9% | -1.1 pts |
| Deposit growth (YoY) | +1.7% | +4.3% | -2.7 pts |
| Loan growth (YoY) | +26.6% | +5.3% | +21.2 pts |
| ROA | 2.58% | 1.28% | +1.3 pts |
| ROE | 11.6% | 12.4% | -0.9 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $611.6M | $420.5M | $296.4M | $138.7M | $7.8M | 2.58% | 4.39% | 0.58% |
| Q1 2026 | $612.5M | $421.6M | $271.1M | $134.5M | $3.8M | 2.49% | 4.27% | 0.62% |
| Q4 2025 | $593.7M | $399.2M | $265.6M | $132.8M | $15.2M | 2.57% | 4.35% | 0.07% |
| Q3 2025 | $586.7M | $399.0M | $249.3M | $129.4M | $11.2M | 2.53% | 4.31% | 0.04% |
| Q2 2025 | $589.4M | $413.6M | $234.2M | $125.7M | $7.5M | 2.55% | 4.41% | 0.00% |
| Q1 2025 | $599.7M | $425.6M | $223.2M | $121.7M | $3.6M | 2.45% | 4.21% | 0.38% |
| Q4 2024 | $580.1M | $407.8M | $221.6M | $118.0M | $13.3M | 2.31% | 3.97% | 0.04% |
| Q3 2024 | $583.1M | $404.4M | $204.2M | $114.6M | $9.0M | 2.08% | 3.91% | 0.07% |
Loan mix (Q2 2026): real estate $190.3M · commercial $36.7M · consumer $3.1M · securities $239.6M
| Ratio | Heritage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.58% | 1.28% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 12.4% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.39% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 33.0% | 61.2% | 1th |
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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