Heritage Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 2.78 percentage points in Q2 2026, from 78.83% to 81.61%. It was the largest change from Q1 2026 among the key lines here. Within Washington, Heritage Bank is 23rd of 29 on loan-to-deposit ratio, 81.61% as of Q2 2026, below the middle of the field. Heritage Bank reported 81.61% on loan-to-deposit ratio for Q2 2026, 6.59 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $5.75B |
| Net loans and leases | $5.69B |
| Loans held for sale | $0 |
| Loans to total assets | 68.23% |
| Loan-to-deposit ratio | 81.61% |
| Net loans to equity capital | 5.07% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 51.09% |
| Multifamily (5+ residential) | 9.20% |
| Commercial and industrial | 12.97% |
| Consumer | 0.22% |
| Credit cards | 0.04% |
| Farm | 0.50% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 4.87% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 299.96% |
| Construction concentration (Tier 1 capital + allowance) | 44.47% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.73% |
| Interest income on loans | $81.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $4.27B | $5.65B | 51.15% | 10.73% | 1.22% |
| Q4 2023 | $4.34B | $5.62B | 50.66% | 11.07% | 1.06% |
| Q1 2024 | $4.43B | $5.53B | 49.60% | 11.46% | 0.93% |
| Q2 2024 | $4.53B | $5.52B | 48.90% | 11.99% | 0.79% |
| Q3 2024 | $4.68B | $5.71B | 48.29% | 12.61% | 0.69% |
| Q4 2024 | $4.80B | $5.69B | 48.68% | 13.01% | 0.59% |
| Q1 2025 | $4.76B | $5.85B | 48.38% | 13.14% | 0.53% |
| Q2 2025 | $4.77B | $5.79B | 49.58% | 13.06% | 0.37% |
| Q3 2025 | $4.77B | $5.86B | 49.44% | 12.80% | 0.29% |
| Q4 2025 | $4.78B | $5.93B | 50.21% | 12.76% | 0.23% |
| Q1 2026 | $5.72B | $7.26B | 51.06% | 13.09% | 0.23% |
| Q2 2026 | $5.75B | $7.04B | 51.09% | 12.97% | 0.22% |
Heritage Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Heritage Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Heritage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29012) · FFIEC NIC profile (RSSD 881478)