HERITAGE BANK

OLYMPIA, WA | Large | Est. Jan. 1, 1927, midnight | FDIC #29012 | RSSD #881478 | FDIC
Latest Report: 2025-12-31

HERITAGE BANK is aln large FDIC-insured commercial bank headquartered in OLYMPIA, WA, established in Jan. 1, 1927, midnight. As of 2025-12-31, the bank reported total assets of $7.0B and total deposits of $5.9B. Profitability stands at 1.38% ROA and 10.42% ROE, with a net interest margin of 3.66%. The bank's CET1 capital ratio is 12.95%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.44% and a Texas Ratio of 2.13%. FDIC Certificate #29012.

Assets

$7.0B

Deposits

$5.9B

Loans

$4.8B

Equity

$933M

Profitability

Return on Assets (ROA) 1.38%
Return on Equity (ROE) 10.42%
Net Interest Margin (NIM) 3.66%
Yield on Assets 4.91%
Cost of Funds 2.95%

Asset Quality

NPL Ratio 0.44%
Net Charge-Off Ratio 0.03%
Texas Ratio 2.13%
NPA Ratio 0.30%
ACL / Loans 1.10%

Capital & Liquidity

CET1 Ratio 12.95%
Tier 1 Capital 12.95%
Total Capital Ratio 13.92%
Leverage Ratio 10.70%
Loan-to-Deposit 80.70%

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