| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.0% | +4.4% | +11.6 pts |
| Deposit growth (YoY) | +15.4% | +4.0% | +11.4 pts |
| Loan growth (YoY) | +15.4% | +5.6% | +9.8 pts |
| ROA | 1.42% | 1.24% | +0.2 pts |
| ROE | 17.6% | 11.9% | +5.7 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $347.8M | $296.6M | $306.8M | $27.8M | $2.4M | 1.42% | 4.16% | 1.68% |
| Q1 2026 | $329.8M | $280.6M | $287.2M | $26.6M | $1.1M | 1.30% | 4.13% | 1.64% |
| Q4 2025 | $327.2M | $266.9M | $288.9M | $26.7M | $3.3M | 1.11% | 4.07% | 1.70% |
| Q3 2025 | $308.0M | $265.9M | $274.3M | $23.8M | $3.3M | 1.52% | 4.07% | 0.98% |
| Q2 2025 | $299.8M | $257.0M | $265.9M | $22.8M | $2.3M | 1.58% | 4.02% | 0.94% |
| Q1 2025 | $288.7M | $255.8M | $256.8M | $21.6M | $1.1M | 1.56% | 3.95% | 0.94% |
| Q4 2024 | $281.8M | $248.9M | $251.4M | $21.5M | $3.2M | 1.20% | 3.61% | 0.40% |
| Q3 2024 | $278.8M | $239.8M | $247.2M | $20.6M | $2.2M | 1.11% | 3.50% | 0.39% |
Loan mix (Q2 2026): real estate $247.2M · commercial $42.1M · consumer $5.9M · securities $5.9M
| Ratio | Heritage Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 1.24% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 17.6% | 11.9% | 81th | |
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 | 56.8% | 62.9% | 32th |
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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