Heritage Bank, Inc.: 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.
Cre concentration (tier 1 capital + allowance) dropped 30.51 percentage points in Q2 2026, from 329.16% to 298.65%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Heritage Bank, Inc. is 101st of 120 on loan-to-deposit ratio, 67.86% as of Q2 2026, below the middle of the field. Heritage Bank, Inc. reported 67.86% on loan-to-deposit ratio for Q2 2026, 20.34 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.24B |
| Net loans and leases | $1.22B |
| Loans held for sale | $0 |
| Loans to total assets | 62.15% |
| Loan-to-deposit ratio | 67.86% |
| Net loans to equity capital | 8.49% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.51% |
| Multifamily (5+ residential) | 6.31% |
| Commercial and industrial | 15.57% |
| Consumer | 2.38% |
| Credit cards | 0.09% |
| Farm | 0.43% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 298.65% |
| Construction concentration (Tier 1 capital + allowance) | 85.41% |
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 | 6.79% |
| Interest income on loans | $21.4M |
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 | $1.02B | $1.47B | 43.54% | 13.53% | 0.77% |
| Q4 2023 | $1.04B | $1.63B | 43.77% | 13.06% | 0.55% |
| Q1 2024 | $1.03B | $1.64B | 42.66% | 12.46% | 0.58% |
| Q2 2024 | $1.09B | $1.61B | 40.58% | 14.99% | 0.52% |
| Q3 2024 | $1.12B | $1.61B | 43.08% | 14.70% | 0.54% |
| Q4 2024 | $1.15B | $1.73B | 42.68% | 14.43% | 0.53% |
| Q1 2025 | $1.16B | $1.69B | 43.17% | 13.66% | 0.50% |
| Q2 2025 | $1.20B | $1.69B | 42.79% | 15.55% | 0.54% |
| Q3 2025 | $1.26B | $1.72B | 40.30% | 16.81% | 1.30% |
| Q4 2025 | $1.27B | $1.93B | 41.18% | 16.54% | 2.54% |
| Q1 2026 | $1.27B | $1.84B | 43.89% | 14.97% | 2.40% |
| Q2 2026 | $1.24B | $1.83B | 44.51% | 15.57% | 2.38% |
Heritage Bank, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Heritage Bank, Inc., 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, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33119) · FFIEC NIC profile (RSSD 1469677)