Heritage Bank, Inc.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Heritage Bank, Inc. of Burlington, KY 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 | 1.08% | 1.44% | -0.36% | 34th below |
| ROAE | 15.36% | 12.50% | +2.86% | 74th above |
| Net Interest Margin | 3.69% | 3.84% | -0.15% | 49th below |
| Efficiency Ratio | 62.83% | 58.87% | +3.96% | 36th below |
| PPNR / Avg Assets | 1.50% | 1.78% | -0.28% | 36th below |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.54% | 5.71% | -0.17% | 50th above |
| Cost of Funds | 1.93% | 2.03% | -0.10% | 56th above |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.15% | 3.18% | -0.03% | 56th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.84% | 0.96% | -0.12% | 38th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.53% | 0.75% | -0.22% | 46th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.31% | -0.24% | 36th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.18% | 1.25% | -0.07% | 55th above |
| ACL / NPLs (Coverage) | 140.03% | 699.46% | -559.43% | 42nd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.66% | 7.16% | -0.50% | 37th below |
| Provision / NCO | 155.65% | 815.40% | -659.75% | 49th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.86% | 17.41% | -5.55% | 22nd bottom |
| Tier 1 Ratio | 11.86% | 17.45% | -5.59% | 21st bottom |
| Total Capital Ratio | 12.97% | 18.51% | -5.54% | 22nd bottom |
| Leverage Ratio | 9.01% | 11.60% | -2.59% | 12th bottom |
| Equity / Assets | 7.23% | 11.34% | -4.11% | 4th bottom |
| TCE / Tangible Assets | 7.23% | 10.65% | -3.42% | 5th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 67.86% | 86.37% | -18.51% | 87th top |
| Core Deposit Ratio | 92.67% | 85.55% | +7.12% | 72nd above |
| Uninsured Deposit Ratio | 35.34% | 32.71% | +2.63% | 38th below |
| Wholesale Funding Ratio | 0.19% | 5.46% | -5.27% | 93rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 9.25% | 10.46% | -1.21% | 74th above |
| Loan Growth (Y/Y) | 2.84% | 8.00% | -5.16% | 33rd below |
| Deposit Growth (Y/Y) | 8.12% | 7.98% | +0.14% | 68th above |
See Heritage Bank, Inc.'s peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Heritage Bank, Inc., 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, Inc. profile, how to read a UBPR, or how this data updates.