Bank call report · Spicer, MN
Heritage Bank, N.A. Call Report
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Heritage Bank, N.A. filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 348 reported line items, schedule by schedule (724 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 901358 |
| FDIC certificate number | 19254 |
| Total assets | $361.1M |
Official Q2 2026 call report PDF (FFIEC) →
Heritage Bank, N.A. call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (26 items)
About Schedule RC · Heritage Bank, N.A. balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $361.1M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $361.1M |
| Total Liabilities and Minority Interest | RCON2948 | $323.2M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $301.9M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $296.2M |
| Total Deposits | RCON2200 | $286.3M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $227.9M |
| Deposits: Noninterest-bearing | RCON6631 | $58.3M |
| Total Equity Capital | RCON3210 | $37.9M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $37.9M |
| Other Borrowed Money | RCON3190 | $31.9M |
| Surplus | RCON3839 | $29.6M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $22.4M |
| Other Assets | RCON2160 | $11.6M |
| Interest-bearing Balances | RCON0071 | $10.3M |
| Undivided Profits and Capital Reserves | RCON3632 | $8.8M |
| Loans and Leases Held for Sale | RCON5369 | $6.3M |
| Allowance for Loan and Lease Losses | RCON3123 | $5.7M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $5.3M |
| Other Liabilities, Total | RCON2930 | $5.0M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $3.9M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $2.9M |
| Held-to-maturity Securities, Total | RCON1754 | $2.9M |
| Intangible Assets | RCON2143 | $2.2M |
| Accumulated Other Comprehensive Income | RCONB530 | -$1.5M |
| Common Stock | RCON3230 | $970K |
Schedule RI: Income Statement (41 items)
About Schedule RI · Heritage Bank, N.A. income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $9.9M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $9.2M |
| Total Noninterest Expense | RIAD4093 | $8.6M |
| Net Interest Income | RIAD4074 | $6.6M |
| Salaries and Employee Benefits | RIAD4135 | $5.6M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $5.3M |
| Total Interest Expense | RIAD4073 | $3.4M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $2.7M |
| Other Noninterest Expense | RIAD4092 | $2.6M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.9M |
| Total Noninterest Income | RIAD4079 | $1.5M |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $859K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $739K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $647K |
| Other Noninterest Income | RIADB497 | $618K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | -$466K |
| Provision for Loan and Lease Losses | RIAD4230 | -$457K |
| Other Interest Expense | RIADGW44 | $387K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $323K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $289K |
| Interest on Other Securities | RIAD4060 | $277K |
| Net Gains (Losses) Recognized in Earnings on Assets That Are Reported at Fair Value Option | RIADF551 | $277K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $248K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $248K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $213K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $212K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $192K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $183K |
| Net Servicing Fees | RIADB492 | -$174K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $142K |
| Other Interest Income | RIAD4518 | $82K |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | -$33K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | -$33K |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | -$33K |
| Net Income (Loss) | RIAD4340 | -$33K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | -$33K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | -$26K |
| Noninterest income: Fees and commissions from securities brokerage, investment banking, advisory, and underwriting activities | RIADHT73 | $17K |
| Loans to Individuals for Households, Family, and Other Personal Expenditures: Credit Cards | RIADB485 | $12K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 89 |
Schedule RC-B: Securities (22 items)
About Schedule RC-B · Heritage Bank, N.A. securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $6.5M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $6.3M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $23.9M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $14.1M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $12.9M |
| Pledged Securities | RCON0416 | $10.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $9.9M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $5.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $3.1M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $2.9M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $2.9M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $2.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $2.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $2.3M |
| Total (Asset-backed Securities) Fair Value - Available-for-sale | RCONC027 | $2.3M |
| Asset-backed Securities: Available-for-sale Amortized Cost | RCONC989 | $2.3M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $1.1M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $987K |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $952K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $657K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $293K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $2K |
Schedule RC-C, Part I: Loans and Leases (31 items)
About Schedule RC-C, Part I · Heritage Bank, N.A. loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $308.2M |
| Pledged Loans and Leases | RCONG378 | $187.4M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $165.9M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $131.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $88.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $44.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $37.4M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $32.3M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $30.0M |
| Commercial and Industrial Loans | RCON1766 | $27.3M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $24.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $22.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $19.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $19.4M |
| Real Estate Loans Secured by Farmland | RCON1420 | $16.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $16.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $13.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $12.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $12.8M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $10.6M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $9.9M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $5.4M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $4.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $4.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $3.8M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $2.7M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $947K |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $834K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $778K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Credit Cards | RCONB538 | $129K |
| Other Loans | RCONJ464 | $57K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $15.1M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $6.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $5.0M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $2.3M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $2.0M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $1.7M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $1.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $1.4M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $1.3M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $1.3M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $650K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $220K |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 79 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 67 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 40 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 26 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 26 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 22 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 19 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 18 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 16 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 13 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 9 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 7 |
Schedule RC-E: Deposit Liabilities (28 items)
About Schedule RC-E · Heritage Bank, N.A. deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $168.2M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $140.8M |
| Total Transaction Accounts | RCON2215 | $118.0M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $106.2M |
| Total Demand Deposits (See Note Below) | RCON2210 | $64.7M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $60.0M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $56.8M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $45.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $37.9M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $35.5M |
| Total reciprocal deposits | RCONJH83 | $24.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $22.4M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $20.6M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $15.7M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $13.7M |
| Total Brokered Deposits | RCON2365 | $13.7M |
| Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits | RCONK223 | $13.6M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $11.8M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $11.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $10.1M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $9.9M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $6.4M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $5.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $5.1M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $4.9M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $2.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $478K |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $339K |
Schedule RC-F: Other Assets (8 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Assets | RCON2168 | $5.8M |
| Second Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3550 | $4.9M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $3.5M |
| Accrued Interest Receivable | RCONB556 | $1.6M |
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $642K |
| Prepaid Expenses | RCON2166 | $571K |
| Derivatives with a Position Fair Value Held for Purposes Other Than Trading | RCONC010 | $216K |
| Net Deferred Tax Assets | RCON2148 | $31K |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $3.7M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $733K |
| Deferred Compensation Liabilities | RCONC011 | $670K |
| Other Expenses Accrued and Unpaid | RCON3646 | $504K |
| Operating lease liabilities | RCONLB56 | $447K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $53K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Heritage Bank, N.A. quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $364.3M |
| Quarterly Average of Total Loans | RCON3360 | $305.2M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $181.9M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $92.6M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $91.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $74.9M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $57.8M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $28.6M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $24.6M |
| All Other Securities | RCONB560 | $19.5M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $13.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $11.0M |
| Mortgage-backed Securities | RCONB559 | $7.6M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $5.5M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $5.4M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards | RCONB561 | $123K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (7 items)
About Schedule RC-L · Heritage Bank, N.A. derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $14.7M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $12.5M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $5.7M |
| Unused Commitments - Credit Card Lines | RCON3815 | $859K |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $533K |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $407K |
| Performance Standby Letters of Credit | RCON3821 | $50K |
Schedule RC-M: Memoranda (7 items)
About Schedule RC-M · Heritage Bank, N.A. memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $20.6M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $20.6M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $7.8M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Three Through Five Years | RCONF057 | $3.5M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $2.2M |
| Mortgage Servicing Assets | RCON3164 | $2.2M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $31K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (20 items)
About Schedule RC-N · Heritage Bank, N.A. past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $11.6M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $9.4M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $9.1M |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Multifamily (5 or More) Residential Properties - Past Due 30 Through 89 Days and Still Accruing | RCON3499 | $7.0M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $1.8M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $1.8M |
| Additions to Nonaccrual Assets | RCONC410 | $1.5M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $413K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $281K |
| All Other Loans - Past Due 90 Days or More and Still Accruing | RCON5460 | $265K |
| Loans to Finance Agricultural Production and Other Loans to Farmers - Past Due 90 Days or More and Still Accruing | RCON1597 | $265K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $174K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $163K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Nonaccrual | RCON3495 | $128K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $121K |
| Loans to Finance Agricultural Production and Other Loans to Farmers - Past Due 30-89 Days and Still Accruing | RCON1594 | $106K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 30 Through 89 Days and Still Accruing | RCON3493 | $83K |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $76K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 90 Days or More and Still Accruing | RCONK217 | $16K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $14K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Heritage Bank, N.A. other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $364.3M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $287.0M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $218.0M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $67.0M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $39.4M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $1.8M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $253K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 10,525 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 156 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 123 |
| Averaging Method Used | RCONK653 | 1 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 1 |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · Heritage Bank, N.A. regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · Heritage Bank, N.A. regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $364.3M |
| Average total consolidated assets | RCOAKW03 | $364.3M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $256.9M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $42.6M |
| Common Equity Tier 1 Capital | RCOAP859 | $39.4M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $39.4M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $39.4M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $37.9M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $30.5M |
| Retained Earnings | RCOAKW00 | $8.8M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $3.2M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $3.2M |
| Tier 2 Capital Before Deductions | RCOAP870 | $3.2M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$1.5M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$1.5M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1659 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1533 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1533 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1081 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0859 |
Schedule RC-R, Part II: Risk-Weighted Assets (55 items)
About Schedule RC-R, Part II · Heritage Bank, N.A. risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $259.4M |
| Total Risk-weighted Assets | RCONG641 | $256.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $176.5M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $176.5M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $170.4M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $153.9M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $144.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $144.2M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $143.5M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $121.5M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $114.2M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $88.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $32.1M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $32.1M |
| Unconditionally Cancellable Commitments | RCONS540 | $27.0M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $22.4M |
| Total All Other Assets | RCOND981 | $17.7M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $16.5M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $15.6M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $15.6M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $15.0M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $13.4M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $12.8M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $10.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $10.0M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $10.0M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $10.0M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $7.5M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $7.3M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$7.2M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $6.4M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $6.3M |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $6.3M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $5.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $3.9M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $3.9M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $3.0M |
| Held-to-maturity Securities - 50 Pct Risk Weight Category | RCOND964 | $2.9M |
| Total Held-to-maturity Securities | RCOND961 | $2.9M |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $2.2M |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $2.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $2.2M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $1.7M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$1.5M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $975K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $923K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $838K |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $488K |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $488K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $168K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $168K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $55K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $50K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $25K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $25K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance End of Previous Calendar Year as Restated | RIADB508 | $38.5M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $38.5M |
| Total Equity Capital | RIAD3210 | $37.9M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $500K |
| Other Comprehensive Income | RIADB511 | -$142K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (9 items)
About Schedule RI-B, Part I · Heritage Bank, N.A. charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $249K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $246K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $170K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $133K |
| Recoveries on All Other Loans | RIAD4628 | $35K |
| Recoveries on Loans to Finance Agricultural Production and Other Loans to Farmers | RIAD4665 | $29K |
| Charge-offs on All Other Loans | RIAD4644 | $3K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $1K |
| Recoveries on Loans to Credit Cards | RIADB515 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Heritage Bank, N.A. changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $6.3M |
| Allowance for Loan and Lease Losses | RIAD3123 | $5.7M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $249K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$9K |
Schedule SU: Supplemental Information (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $281.7M |
| Aggregate Amount of Fair Value Option Assets | RCONHK18 | $13.4M |
| Total Gross Notional Amount of All Other Derivatives Not Held for Trading | RCONFT02 | $5.2M |
| Total Outstanding Principal Balance of Assets Sold by the Reporting Institution with Recourse or Other Seller Provided Credit Enhancements, But Not Securitized by the Reporting Institution | RCONFT10 | $1.9M |
Heritage Bank, N.A. call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Heritage Bank, N.A. call report?
The Heritage Bank, N.A. call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Heritage Bank, N.A. file?
Heritage Bank, N.A. files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Heritage Bank, N.A. call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Heritage Bank, N.A. has Federal Reserve RSSD ID 901358 and FDIC certificate number 19254. Either one finds its filings on the FFIEC Central Data Repository.
How often does Heritage Bank, N.A. file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Heritage Bank, N.A. financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 19254) · FFIEC NIC profile (RSSD 901358)