| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +4.4% | -3.0 pts |
| Deposit growth (YoY) | -0.6% | +4.0% | -4.5 pts |
| Loan growth (YoY) | -2.0% | +5.6% | -7.6 pts |
| ROA | 0.87% | 1.24% | -0.4 pts |
| ROE | 8.6% | 11.9% | -3.3 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $184.4M | $152.1M | $143.3M | $18.6M | $786K | 0.87% | 4.14% | 0.02% |
| Q1 2026 | $180.8M | $151.7M | $148.9M | $18.2M | $323K | 0.72% | 3.98% | 0.01% |
| Q4 2025 | $178.8M | $146.1M | $149.5M | $18.0M | $1.7M | 0.97% | 4.10% | 0.12% |
| Q3 2025 | $184.8M | $155.1M | $148.3M | $17.7M | $1.4M | 1.02% | 4.01% | 0.09% |
| Q2 2025 | $182.0M | $153.0M | $146.3M | $17.2M | $925K | 1.05% | 3.91% | 0.00% |
| Q1 2025 | $177.7M | $148.9M | $145.1M | $16.9M | $568K | 1.32% | 3.88% | 0.00% |
| Q4 2024 | $167.4M | $139.4M | $138.7M | $16.3M | $995K | 0.61% | 3.87% | 0.01% |
| Q3 2024 | $167.1M | $139.1M | $134.9M | $16.2M | $872K | 0.71% | 3.85% | 0.04% |
Loan mix (Q2 2026): real estate $131.1M · commercial $9.5M · consumer $4.4M · securities $2.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Heritage Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 1.24% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 11.9% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.7% | 62.9% | 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 Community 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 Community 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 Community 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 Community 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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