Call reports 2025
HERITAGE BANK, INC. — 2025
What HERITAGE BANK, INC. 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 | 1,821,131,000 | 1,824,512,000 | 1,894,531,000 | 2,094,353,000 |
| Total loans | 1,163,067,000 | 1,204,623,000 | 1,261,819,000 | 1,271,840,000 |
| Allowance for loan losses | 12,691,000 | 13,458,000 | 14,117,000 | 14,221,000 |
| Securities available for sale | 470,252,000 | 462,677,000 | 435,428,000 | 436,390,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,686,685,000 | 1,688,372,000 | 1,720,293,000 | 1,932,253,000 |
| Interest-bearing deposits | 1,341,908,000 | 1,348,341,000 | 1,368,639,000 | 1,524,863,000 |
| Noninterest-bearing deposits | 344,777,000 | 340,031,000 | 351,654,000 | 407,390,000 |
| Equity capital | 108,798,000 | 113,683,000 | 125,067,000 | 134,204,000 |
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 | 23,505,000 | 47,745,000 | 72,984,000 | 99,986,000 |
| Interest expense | 9,434,000 | 18,854,000 | 28,513,000 | 38,472,000 |
| Net interest income | 14,071,000 | 28,891,000 | 44,471,000 | 61,514,000 |
| Noninterest income | 4,139,000 | 7,316,000 | 11,493,000 | 15,584,000 |
| Noninterest expense | 12,049,000 | 23,607,000 | 36,634,000 | 49,477,000 |
| Provision for loan losses | 736,000 | 1,311,000 | 1,877,000 | 2,797,000 |
| Pretax income | 5,179,000 | 11,121,000 | 17,443,000 | 24,645,000 |
| Income tax | 1,058,000 | 2,307,000 | 3,576,000 | 3,995,000 |
| Net income | 4,121,000 | 8,814,000 | 13,867,000 | 20,650,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 156,359,000 | 161,053,000 | 166,105,000 | 170,632,000 |
| Total capital | 170,530,000 | 175,913,000 | 181,463,000 | 186,264,000 |
| Risk-weighted assets | 1,439,988,000 | 1,490,416,000 | 1,543,502,000 | 1,522,510,000 |