Heritage Bank, Inc.
Burlington, KY · Cert 33119 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Commonwealth Holdings L L C
State charter, non-member · FDIC · 19 branches
Q2 2026
$2.0BAssets
$1.2BLoans
$1.8BDeposits
$144.2MEquity
Executive Summary
- Strongest standing: return on equity outperforms 77% of banks $1B-$10B in assets operating regionally (rank 41 of 176).
- Widest gap: equity / assets trails 95% of banks $1B-$10B in assets operating regionally (rank 168 of 176).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.05%
Rank 118 of 176
Net Interest Margin
3.39%
Rank 111 of 176
Efficiency Ratio
63.82%
Rank 112 of 176
Equity / Assets
7.23%
Rank 168 of 176
Non-interest income vs. expense
Unfavorable gap of $37.6M · efficiency ratio beats 37% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.05% | 0.93% | 1.26% | 1.54% | Beats 33% | 118 / 176 | | |
| Return on Equity | 14.56% | 9.26% | 11.89% | 14.46% | Beats 77% | 41 / 176 | | |
| Net Interest Margin | 3.39% | 3.25% | 3.59% | 3.93% | Beats 37% | 111 / 176 | | |
| Efficiency Ratio | 63.82% | 52.79% | 59.55% | 67.66% | Beats 37% | 112 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.47% | 0.30% | 0.64% | 1.32% | Beats 62% | 68 / 176 | | |
| Net Charge-Offs / Loans | 0.09% | 0.01% | 0.04% | 0.10% | Beats 30% | 125 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 11.86% | 11.15% | 12.72% | 14.15% | Beats 39% | 107 / 176 | | |
| Total Risk-Based Capital Ratio | 12.97% | 11.81% | 13.63% | 15.33% | Beats 40% | 105 / 176 | | |
| Equity / Assets | 7.23% | 9.16% | 10.35% | 11.80% | Beats 5% | 168 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 67.86% | 80.94% | 89.73% | 97.21% | 6th pctl | 166 / 176 | | |
| Loans / Assets | 62.15% | 69.25% | 75.12% | 80.82% | 10th pctl | 159 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |