Heritage Bank & Trust quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $418M | $374M | $347M | $33M | $2M | 1.55% | 19.84% | 4.14% | 0.40% |
| Q4 2025 | $406M | $364M | $339M | $32M | $1M | 0.87% | 11.70% | 4.00% | 0.41% |
| Q3 2025 | $402M | $360M | $315M | $30M | $1M | 0.79% | 10.78% | 3.95% | 0.44% |
| Q2 2025 | $391M | $356M | $302M | $29M | $675K | 0.66% | 9.14% | 3.85% | 0.52% |
| Q1 2025 | $403M | $369M | $299M | $29M | $619K | 0.63% | 8.83% | 3.69% | 0.73% |
| Q4 2024 | $387M | $354M | $296M | $27M | $896K | 0.78% | 10.81% | 3.68% | 1.01% |
| Q3 2024 | $378M | $344M | $281M | $28M | $648K | 0.72% | 10.02% | 3.67% | 0.10% |
| Q2 2024 | $369M | $337M | $277M | $27M | $793K | 0.74% | 10.30% | 3.62% | 0.16% |
| Q1 2024 | $373M | $334M | $274M | $26M | $568K | 0.62% | 8.72% | 3.55% | 0.21% |
| Q4 2023 | $361M | $322M | $272M | $26M | $913K | 0.70% | 9.87% | 3.74% | 0.17% |
| Q3 2023 | $345M | $308M | $256M | $24M | $557K | 0.58% | 8.11% | 3.72% | 0.15% |
| Q2 2023 | $316M | $282M | $241M | $22M | $485K | 0.53% | 7.35% | 3.74% | 0.26% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.