Heritage Bank, Inc.: 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.
Reserve coverage of non-performing loans dropped 52.89 percentage points in Q2 2026, from 192.93% to 140.03%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Heritage Bank, Inc. is 81st of 119 on return on assets, 1.08% as of Q2 2026, below the middle of the field. Heritage Bank, Inc. reported 1.08% on return on assets for Q2 2026, 0.20 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.86% |
| Tier 1 risk-based capital ratio | 11.86% |
| Total risk-based capital ratio | 12.97% |
| Tier 1 leverage ratio | 9.01% |
| Equity capital to assets | 7.23% |
| Tangible equity to tangible assets | 7.23% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.84% |
| Non-performing assets ratio | 0.53% |
| Net charge-off ratio | 0.07% |
| Texas ratio | 6.66% |
| Allowance for credit losses to loans | 1.18% |
| Reserve coverage of non-performing loans | 140.03% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.08% |
| Return on equity | 15.36% |
| Net interest margin | 3.69% |
| Efficiency ratio | 62.83% |
| Yield on earning assets | 5.54% |
| Cost of funds | 1.93% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.86% |
| Core deposits to total deposits | 92.67% |
| Brokered deposits to total deposits | 3.01% |
| Deposits to assets | 91.58% |
| Securities to assets | 21.62% |
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 | 10.50% | 10.50% | 11.54% | 8.18% | 0.88% |
| Q4 2023 | 10.64% | 10.64% | 11.70% | 7.81% | 0.98% |
| Q1 2024 | 10.84% | 10.84% | 11.78% | 7.80% | 0.70% |
| Q2 2024 | 10.47% | 10.47% | 11.40% | 8.01% | 0.84% |
| Q3 2024 | 10.57% | 10.57% | 11.52% | 8.23% | 0.80% |
| Q4 2024 | 10.60% | 10.60% | 11.54% | 8.01% | 1.30% |
| Q1 2025 | 10.86% | 10.86% | 11.84% | 8.52% | 0.90% |
| Q2 2025 | 10.81% | 10.81% | 11.80% | 8.57% | 1.00% |
| Q3 2025 | 10.76% | 10.76% | 11.76% | 8.74% | 1.06% |
| Q4 2025 | 11.21% | 11.21% | 12.23% | 8.39% | 1.33% |
| Q1 2026 | 11.50% | 11.50% | 12.57% | 8.58% | 1.00% |
| Q2 2026 | 11.86% | 11.86% | 12.97% | 9.01% | 1.08% |
Heritage Bank, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Heritage Bank, Inc., 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, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33119) · FFIEC NIC profile (RSSD 1469677)