Heritage Bank: Efficiency Ratio
Data as of · sourced from FFIEC call reports. How we update
Heritage Bank reported an efficiency ratio of 33.42% as of Q2 2026, ranking #76 of 3,608 U.S. banks (98th percentile). That is up 1.43 percentage points from 31.99% a year earlier, and below the 59.76% median of the 732 Midsize Community Banks ($500M–$1B in assets). The efficiency ratio measures non-interest operating expense against net revenue. A lower ratio means the bank converts more of each revenue dollar into pre-tax income.
12-Quarter Trend
National Context
What is the Efficiency Ratio?
A bank's efficiency ratio is its noninterest expense divided by its revenue, net interest income plus noninterest income. It shows how many cents the bank spends to earn each dollar of revenue, so a lower ratio is better.
Compare banks of similar size and business model. Very small banks rarely run below 60% because fixed costs are spread over less revenue, and fee-heavy banks with trust or mortgage businesses carry higher expense against their revenue. The trend matters as much as the level: a rising ratio means expenses are growing faster than revenue. A very low ratio can also mean underinvestment in staff or systems.
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What is Heritage Bank's Efficiency Ratio?
Heritage Bank's Efficiency Ratio was 33.42% as of Q2 2026, ranking #76 of 3,608 U.S. banks.
What is the Efficiency Ratio?
A bank's efficiency ratio is its noninterest expense divided by its revenue, net interest income plus noninterest income. It shows how many cents the bank spends to earn each dollar of revenue, so a lower ratio is better.
More Heritage Bank metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Heritage Bank profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 17145) · FFIEC NIC profile (RSSD 666554)