Bank Safety Analysis
Heritage Bank of Saint Tammany: final safety record
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Return on assets dropped 7.21 percentage points in Q1 2026, from 0.51% to -6.70%. It was the largest change from Q4 2025 among the key lines here. From Q2 2023 to Q1 2026, Heritage Bank of Saint Tammany's Texas ratio ranged between 2.05% (Q4 2023) and 8.00% (Q1 2026). Between Q1 2025 and Q1 2026, Heritage Bank of Saint Tammany's nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.47% to 1.01%, Texas ratio rose from 3.38% to 8.00% and return on assets fell from 0.62% to -6.70%.
Data as of · sourced from FFIEC call reports. How we update
How does Heritage Bank of Saint Tammany score on capital, credit and costs?
Peer cohort: $100M to $1B (2,757 banks) · Industry averages as of Q2 2026.
Leverage ratio of 9.65% exceeds the 9% Community Bank Leverage Ratio threshold. The bank is deemed well-capitalized under CBLR.
Tier 1 leverage of 9.65% is above the 5% well-capitalized threshold.
Nonperforming loans at 1.01% are within industry-normal range.
Texas Ratio of 8.0% is well below the 100% historical failure threshold.
Efficiency ratio of 304.7% suggests significant cost-to-revenue challenges.
Note: This bank has elected the Community Bank Leverage Ratio framework, a simplified capital regime for community banks meeting size and complexity criteria. Banks under CBLR don't report CET1 separately; the CBLR leverage threshold serves as the well-capitalized benchmark.
Does Heritage Bank of Saint Tammany trip any risk screens?
Latest filing (Q1 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | — | Flags below 7% | Not reported |
| Texas ratio BankRegReports band | 8.00% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 1.01% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 94.85% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 146.17% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 2.90% | Watch at 10%, concern at 25% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q1 2026 | 8.00% |
| Q4 2025 | 4.52% |
| Q3 2025 | 3.28% |
| Q2 2025 | 2.46% |
| Q1 2025 | 3.38% |
| Q4 2024 | 3.89% |
| Q3 2024 | 3.82% |
| Q2 2024 | 3.11% |
| Q1 2024 | 3.68% |
| Q4 2023 | 2.05% |
| Q3 2023 | 3.62% |
| Q2 2023 | 2.15% |
How have Heritage Bank of Saint Tammany's safety ratios changed?
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Mar 31, 2026 | — | 1.01% | 8.00% | -6.70% |
| Dec 31, 2025 | — | 0.65% | 4.52% | 0.51% |
| Sep 30, 2025 | — | 0.46% | 3.28% | -0.17% |
| Jun 30, 2025 | — | 0.33% | 2.46% | 0.44% |
| Mar 31, 2025 | — | 0.47% | 3.38% | 0.62% |
| Dec 31, 2024 | — | 0.53% | 3.89% | 0.33% |
| Sep 30, 2024 | — | 0.54% | 3.82% | -0.16% |
| Jun 30, 2024 | — | 0.47% | 3.11% | -0.09% |
| Mar 31, 2024 | — | 0.56% | 3.68% | -0.15% |
| Dec 31, 2023 | — | 0.31% | 2.05% | -2.66% |
| Sep 30, 2023 | — | 0.54% | 3.62% | -0.06% |
| Jun 30, 2023 | — | 0.32% | 2.15% | 0.23% |
Where does this data come from?
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice.
FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 29577) · FFIEC NIC profile (RSSD 194570)
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