Union, MO · Cert 15282 · Heritage Management Co. Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.2% share · #62 of 111 inst. · $0.3B of $141.7B
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 | 0.88% | 0.95% | 1.23% | 1.24% | 1.19% | 0.88% | 1.02% | 1.12% | -13 bps | |
| Return on Equity | 11.76% | 12.70% | 16.23% | 16.40% | 15.65% | 11.34% | 12.59% | 13.82% | -257 bps | |
| Net Interest Margin | 3.27% | 3.29% | 3.76% | 3.84% | 3.75% | 3.75% | 3.87% | 3.89% | +5 bps | |
| Efficiency Ratio | 64.88% | 63.54% | 58.32% | 57.28% | 58.05% | 58.43% | 56.40% | 56.77% | -51 bps | |
| Non-Interest Burden | 2.01% | 1.98% | 2.08% | 2.08% | 2.07% | 2.08% | 2.04% | 2.08% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.81% | 11.46% | 10.85% | 12.19% | 10.46% | 16.08% | 14.22% | 16.00% | +381 bps | |
| Loan Growth (YoY) | 14.78% | 12.40% | 10.57% | 11.82% | 10.98% | 14.96% | 12.00% | 15.44% | +362 bps | |
| Deposit Growth (YoY) | 17.28% | 15.55% | 14.04% | 12.95% | 10.89% | 7.25% | 9.70% | 15.40% | +245 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.44% | 0.44% | 1.04% | 1.01% | 1.08% | 1.91% | 1.86% | 0.59% | -42 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.39% | 0.00% | 0.16% | +16 bps | |
| Allowance / Loans | 1.21% | 1.21% | 1.21% | 1.21% | 1.24% | 1.23% | 1.38% | 1.28% | +7 bps | |
| Allowance Coverage of NPLs | 2.8x | 2.7x | 1.2x | 1.2x | 1.1x | 0.6x | 0.7x | 2.2x | +1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.56% | 7.60% | 7.46% | 7.76% | 7.73% | 8.53% | 8.12% | 8.30% | +54 bps | |
| Total Risk-Based Capital | 10.19% | 10.52% | 10.36% | 10.29% | 10.49% | 11.16% | 11.09% | 10.64% | +35 bps | |
| Equity / Assets | 7.41% | 7.64% | 7.47% | 7.59% | 7.73% | 8.15% | 8.05% | 8.01% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.38% | 102.26% | 101.63% | 104.73% | 104.46% | 109.61% | 103.76% | 104.77% | +4 bps | |
| Liquid Assets / Assets | 4.08% | 3.38% | 3.92% | 3.86% | 3.87% | 2.01% | 3.06% | 3.18% | -68 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 447% | 413% | 424% | n/a | n/a | |