Heritage Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Heritage Bank of Olympia, WA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.92% | 1.46% | -0.54% | 25th below |
| ROAE | 6.95% | 12.73% | -5.78% | 16th bottom |
| Net Interest Margin | 4.00% | 3.85% | +0.15% | 68th above |
| Efficiency Ratio | 69.52% | 57.37% | +12.15% | 21st bottom |
| PPNR / Avg Assets | 1.06% | 1.88% | -0.82% | 18th bottom |
| Yield on Earning Assets | 5.18% | 5.72% | -0.54% | 28th below |
| Cost of Funds | 1.24% | 2.02% | -0.78% | 89th top |
| Net Interest Spread | 3.46% | 3.18% | +0.28% | 74th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.51% | 1.00% | -0.49% | 57th above |
| NPA / Total Assets | 0.36% | 0.76% | -0.40% | 60th above |
| NCO / Avg Loans | 0.02% | 0.43% | -0.41% | 57th above |
| ACL / Total Loans | 1.03% | 1.31% | -0.28% | 34th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 203.09% | 544.49% | -341.40% | 55th above |
| Texas Ratio | 3.51% | 7.40% | -3.89% | 61st above |
| Provision / NCO | -211.70% | 621.81% | -833.51% | 3rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.34% | 17.36% | -5.02% | 30th below |
| Tier 1 Ratio | 12.34% | 17.39% | -5.05% | 30th below |
| Total Capital Ratio | 13.23% | 18.44% | -5.21% | 26th below |
| Leverage Ratio | 10.23% | 11.44% | -1.21% | 43rd below |
| Equity / Assets | 13.32% | 11.33% | +1.99% | 86th top |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 9.83% | 10.50% | -0.67% | 52nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.61% | 86.97% | -5.36% | 66th above |
| Core Deposit Ratio | 93.19% | 85.53% | +7.66% | 75th top |
| Uninsured Deposit Ratio | 39.09% | 33.10% | +5.99% | 29th below |
| Wholesale Funding Ratio | 1.97% | 5.72% | -3.75% | 69th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 19.23% | 9.65% | +9.58% | 90th top |
| Loan Growth (Y/Y) | 20.38% | 8.02% | +12.36% | 92nd top |
| Deposit Growth (Y/Y) | 21.72% | 7.82% | +13.90% | 92nd top |
See Heritage Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Heritage Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Heritage Bank profile, how to read a UBPR, or how this data updates.