White Hall, WV · Cert 13020 · Heritage Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Morgantown, WV · 2026 SOD (annual) · 0.8% share · #9 of 13 inst. · $0.0B of $5.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 0.37% | 0.48% | 0.29% | 0.36% | 0.37% | 0.70% | 0.73% | +44 bps | |
| Return on Equity | 5.73% | 4.95% | 6.43% | 3.90% | 4.73% | 4.75% | 8.82% | 9.22% | +532 bps | |
| Net Interest Margin | 2.85% | 2.92% | 2.98% | 3.12% | 3.19% | 3.24% | 3.46% | 3.46% | +34 bps | |
| Efficiency Ratio | 79.73% | 79.57% | 77.01% | 77.55% | 77.53% | 77.71% | 70.40% | 70.13% | -742 bps | |
| Non-Interest Burden | 2.18% | 2.22% | 2.17% | 2.30% | 2.36% | 2.40% | 2.26% | 2.26% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.54% | 5.58% | -4.71% | -2.74% | -2.40% | -1.34% | 0.43% | 3.78% | +652 bps | |
| Loan Growth (YoY) | 4.46% | -1.02% | -2.93% | -2.84% | -4.12% | -3.21% | -2.26% | -0.70% | +214 bps | |
| Deposit Growth (YoY) | 18.78% | 16.32% | 5.43% | 0.97% | 0.00% | 0.08% | 0.68% | 3.94% | +296 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.63% | 2.05% | 2.17% | 2.69% | 2.84% | 2.50% | 2.59% | 2.10% | -59 bps | |
| Net Charge-Offs / Loans | 0.33% | 0.27% | 0.22% | 0.15% | 0.14% | 0.57% | 0.33% | -0.03% | -18 bps | |
| Allowance / Loans | 1.21% | 1.36% | 1.37% | 1.56% | 1.62% | 1.29% | 1.31% | 1.49% | -7 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.7x | 0.6x | 0.6x | 0.6x | 0.5x | 0.5x | 0.7x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.76% | 8.83% | 8.95% | 8.94% | 9.08% | 9.04% | 9.05% | 8.96% | +2 bps | |
| Total Risk-Based Capital | 14.11% | 14.15% | 14.43% | 14.17% | 14.58% | 14.06% | 13.88% | 14.02% | -15 bps | |
| Equity / Assets | 7.73% | 7.41% | 7.63% | 7.61% | 7.95% | 8.03% | 7.91% | 7.94% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.15% | 88.55% | 85.59% | 86.52% | 85.47% | 85.64% | 83.09% | 82.66% | -386 bps | |
| Liquid Assets / Assets | 7.87% | 7.66% | 9.72% | 8.81% | 10.24% | 9.99% | 12.06% | 11.81% | +300 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 260% | 258% | 243% | n/a | n/a | |