Call reports 2025
HERITAGE BANK, NATIONAL ASSOCIATION — 2025
What HERITAGE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 436,501,000 | 415,562,000 | 398,402,000 | 392,856,000 |
| Total loans | 363,187,000 | 354,134,000 | 338,344,000 | 322,455,000 |
| Allowance for loan losses | 7,094,000 | 6,541,000 | 6,381,000 | 6,273,000 |
| Securities available for sale | 27,011,000 | 25,901,000 | 25,183,000 | 24,540,000 |
| Securities held to maturity | 2,924,000 | 2,924,000 | 2,923,000 | 2,923,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 374,524,000 | 357,159,000 | 342,339,000 | 336,674,000 |
| Interest-bearing deposits | 314,122,000 | 301,369,000 | 284,531,000 | 274,932,000 |
| Noninterest-bearing deposits | 60,402,000 | 55,790,000 | 57,808,000 | 61,742,000 |
| Equity capital | 39,938,000 | 39,738,000 | 38,167,000 | 38,550,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 6,223,000 | 12,347,000 | 18,087,000 | 23,551,000 |
| Interest expense | 2,741,000 | 5,125,000 | 7,313,000 | 9,477,000 |
| Net interest income | 3,482,000 | 7,222,000 | 10,774,000 | 14,074,000 |
| Noninterest income | 2,303,000 | 2,734,000 | 3,329,000 | 3,955,000 |
| Noninterest expense | 4,959,000 | 9,429,000 | 13,382,000 | 17,124,000 |
| Provision for loan losses | 0 | 97,000 | 97,000 | 97,000 |
| Pretax income | 846,000 | 422,000 | 594,000 | 806,000 |
| Income tax | 12,000 | 0 | 0 | 0 |
| Net income | 834,000 | 422,000 | 594,000 | 806,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,930,000 | 41,519,000 | 39,691,000 | 39,902,000 |
| Total capital | 45,746,000 | 45,176,000 | 43,223,000 | 43,335,000 |
| Risk-weighted assets | 301,942,000 | 289,612,000 | 279,634,000 | 271,742,000 |