Heritage Bank & Trust: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 40.88 percentage points higher than in Q1 2026, at 453.30%. Within Tennessee, Heritage Bank & Trust is 67th of 109 on return on assets, 1.01% as of Q2 2026, below the middle of the field. Heritage Bank & Trust reported 1.01% on return on assets for Q2 2026, 0.25 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.24% |
| Tier 1 risk-based capital ratio | 10.24% |
| Total risk-based capital ratio | 11.50% |
| Tier 1 leverage ratio | 8.48% |
| Equity capital to assets | 8.00% |
| Tangible equity to tangible assets | 8.00% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.36% |
| Non-performing assets ratio | 0.48% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 5.13% |
| Allowance for credit losses to loans | 1.62% |
| Reserve coverage of non-performing loans | 453.30% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.01% |
| Return on equity | 12.90% |
| Net interest margin | 4.06% |
| Efficiency ratio | 69.56% |
| Yield on earning assets | 6.26% |
| Cost of funds | 2.33% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.22% |
| Core deposits to total deposits | 89.07% |
| Brokered deposits to total deposits | 1.23% |
| Deposits to assets | 90.31% |
| Securities to assets | 7.38% |
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 | 10.91% | 10.91% | 12.17% | 8.57% | 0.67% |
| Q4 2023 | 10.54% | 10.54% | 11.80% | 8.53% | 1.06% |
| Q1 2024 | 10.70% | 10.70% | 11.96% | 8.50% | 0.64% |
| Q2 2024 | 11.17% | 11.17% | 12.43% | 8.77% | 0.90% |
| Q3 2024 | 10.71% | 10.71% | 11.97% | 8.43% | 0.72% |
| Q4 2024 | 10.44% | 10.44% | 11.70% | 8.51% | 0.98% |
| Q1 2025 | 10.28% | 10.28% | 11.53% | 8.50% | 0.66% |
| Q2 2025 | 10.21% | 10.21% | 11.46% | 8.38% | 0.71% |
| Q3 2025 | 10.17% | 10.17% | 11.42% | 8.33% | 1.05% |
| Q4 2025 | 9.95% | 9.95% | 11.21% | 8.31% | 1.08% |
| Q1 2026 | 10.12% | 10.12% | 11.37% | 8.42% | 1.53% |
| Q2 2026 | 10.24% | 10.24% | 11.50% | 8.48% | 1.01% |
Heritage Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Heritage Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58220) · FFIEC NIC profile (RSSD 3429219)