Heritage Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Heritage Bank & Trust of Columbia, TN against its peer group of 2603 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 | 1.01% | 1.35% | -0.34% | 33rd below |
| ROAE Behind the peer average, ahead of the median peer. | 12.90% | 13.32% | -0.42% | 53rd above |
| Net Interest Margin | 4.06% | 3.93% | +0.13% | 56th above |
| Efficiency Ratio | 69.56% | 61.13% | +8.43% | 29th below |
| PPNR / Avg Assets | 1.37% | 1.68% | -0.31% | 37th below |
| Yield on Earning Assets | 6.26% | 5.67% | +0.59% | 79th top |
| Cost of Funds | 2.33% | 1.88% | +0.45% | 20th bottom |
| Net Interest Spread | 3.52% | 3.32% | +0.20% | 61st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.36% | 0.94% | -0.58% | 53rd above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.48% | 0.70% | -0.22% | 39th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 39th below |
| ACL / Total Loans | 1.62% | 1.28% | +0.34% | 84th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 453.30% | 1546.60% | -1093.30% | 69th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.13% | 7.34% | -2.21% | 40th below |
| Provision / NCO | 0.00% | 1395.72% | -1395.72% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.24% | 19.49% | -9.25% | 4th bottom |
| Tier 1 Ratio | 10.24% | 19.52% | -9.28% | 3rd bottom |
| Total Capital Ratio | 11.50% | 20.61% | -9.11% | 5th bottom |
| Leverage Ratio | 8.48% | 12.14% | -3.66% | 6th bottom |
| Equity / Assets | 8.00% | 11.37% | -3.37% | 14th bottom |
| TCE / Tangible Assets | 8.00% | 11.08% | -3.08% | 16th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.22% | 80.66% | +14.56% | 18th bottom |
| Core Deposit Ratio | 89.07% | 86.85% | +2.22% | 50th above |
| Wholesale Funding Ratio | 0.24% | 5.04% | -4.80% | 94th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.91% | 6.84% | +0.07% | 69th above |
| Loan Growth (Y/Y) | 16.86% | 7.91% | +8.95% | 89th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.95% | 6.29% | -0.34% | 64th above |
See Heritage Bank & Trust's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Heritage Bank & Trust, 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 & Trust profile, how to read a UBPR, or how this data updates.