PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Heritage

Corning, NY · Charter 9604

NCUA · 9 branches

Q2 2026

$839.7MAssets
$614.2MLoans
$748.4MShares
$90.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.96%, up 27 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 0.44% of loans (+9 bps YoY).
  • Capital: net worth / assets of 10.77%, up 32 bps from a year ago.
  • Funding: loans stand at 82.06% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.96%+27 bps YoY

Net Interest Margin (quarter, annualized)

3.49%+36 bps YoY

Efficiency Ratio (quarter, annualized)

73.50%-321 bps YoY

Net Worth / Assets

10.77%+32 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.76%0.73%0.69%0.78%0.87%1.00%0.96%+27 bps
Return on Equity6.85%7.13%6.94%6.61%7.32%8.12%9.48%8.89%+228 bps
Net Interest Margin3.00%3.00%3.10%3.13%3.23%3.24%3.45%3.49%+36 bps
Efficiency Ratio76.37%75.29%75.96%76.71%75.40%74.31%72.38%73.50%-321 bps
Growth
Asset Growth (YoY)6.15%6.64%7.18%7.90%7.56%7.71%8.75%6.89%-102 bps
Loan Growth (YoY)7.48%6.71%6.32%6.27%6.63%6.45%5.91%5.79%-47 bps
Share Growth (YoY)5.70%6.90%7.57%7.92%6.98%7.05%8.32%6.79%-113 bps
Asset Quality
Delinquent Loans / Loans0.27%0.30%0.28%0.35%0.33%0.53%0.29%0.44%+9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.61%10.62%10.48%10.45%10.66%10.73%10.55%10.77%+32 bps
Net Worth / Assets10.61%10.62%10.48%10.45%10.66%10.73%10.55%10.77%+32 bps
Liquidity & Funding
Loans / Shares84.65%83.98%82.57%82.83%84.37%83.51%80.74%82.06%-77 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps