Heritage Bank & Trust
Columbia, TN · Cert 58220 · Peer group: banks under $1B in assets (n=581-629) · Heritage Financial Corp.
State charter, non-member · FDIC · 4 branches
Q2 2026
$417.8MAssets
$359.3MLoans
$377.3MDeposits
$33.4MEquity
Executive Summary
- Strongest standing: return on equity outperforms 87% of banks under $1B in assets (rank 83 of 629).
- Widest gap: equity / assets trails 88% of banks under $1B in assets (rank 552 of 629).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.27%
Rank 216 of 629
Net Interest Margin
3.80%
Rank 227 of 629
Efficiency Ratio
64.99%
Rank 263 of 629
Equity / Assets
8.00%
Rank 552 of 629
Non-interest income vs. expense
Unfavorable gap of $8.9M · efficiency ratio beats 58% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.27% | 0.60% | 1.01% | 1.45% | Beats 66% | 216 / 629 | | |
| Return on Equity | 15.90% | 5.38% | 9.30% | 13.28% | Beats 87% | 83 / 629 | | |
| Net Interest Margin | 3.80% | 3.03% | 3.54% | 4.05% | Beats 64% | 227 / 629 | | |
| Efficiency Ratio | 64.99% | 58.35% | 67.79% | 79.08% | Beats 58% | 263 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.36% | 0.09% | 0.46% | 1.20% | Beats 55% | 261 / 581 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 54% | 270 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 10.24% | 11.24% | 13.84% | 18.77% | Beats 14% | 544 / 629 | | |
| Total Risk-Based Capital Ratio | 11.50% | 11.58% | 14.43% | 19.66% | Beats 24% | 477 / 629 | | |
| Equity / Assets | 8.00% | 9.09% | 10.65% | 13.80% | Beats 12% | 552 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 95.22% | 67.24% | 80.90% | 93.48% | 78th pctl | 128 / 594 | | |
| Loans / Assets | 86.00% | 53.31% | 67.71% | 78.15% | 95th pctl | 33 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |