Heritage Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 21.03 percentage points higher than in Q1 2026, at 203.09%. Heritage Bank ranks 16th of 29 Washington banks on return on assets, in the lower half at 0.92% (Q2 2026). Heritage Bank reported 0.92% on return on assets for Q2 2026, 0.36 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.34% |
| Tier 1 risk-based capital ratio | 12.34% |
| Total risk-based capital ratio | 13.23% |
| Tier 1 leverage ratio | 10.23% |
| Equity capital to assets | 13.32% |
| Tangible equity to tangible assets | 9.83% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.51% |
| Non-performing assets ratio | 0.36% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 3.51% |
| Allowance for credit losses to loans | 1.03% |
| Reserve coverage of non-performing loans | 203.09% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.92% |
| Return on equity | 6.95% |
| Net interest margin | 4.00% |
| Efficiency ratio | 69.52% |
| Yield on earning assets | 5.18% |
| Cost of funds | 1.24% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.61% |
| Core deposits to total deposits | 93.19% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.61% |
| Securities to assets | 19.39% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.94% | 12.94% | 13.79% | 9.68% | 1.08% |
| Q4 2023 | 12.92% | 12.92% | 13.79% | 9.75% | 0.44% |
| Q1 2024 | 12.93% | 12.93% | 13.84% | 9.95% | 0.41% |
| Q2 2024 | 12.83% | 12.83% | 13.76% | 9.95% | 0.89% |
| Q3 2024 | 12.59% | 12.59% | 13.50% | 9.86% | 0.72% |
| Q4 2024 | 12.28% | 12.28% | 13.20% | 9.91% | 0.76% |
| Q1 2025 | 12.48% | 12.48% | 13.43% | 10.04% | 0.88% |
| Q2 2025 | 12.52% | 12.52% | 13.48% | 10.18% | 0.79% |
| Q3 2025 | 12.67% | 12.67% | 13.66% | 10.38% | 1.21% |
| Q4 2025 | 12.95% | 12.95% | 13.92% | 10.70% | 1.38% |
| Q1 2026 | 12.32% | 12.32% | 13.24% | 10.10% | 1.05% |
| Q2 2026 | 12.34% | 12.34% | 13.23% | 10.23% | 0.92% |
Heritage Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Heritage Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)