Call reports 2026
HERITAGE COMMUNITY BANK — 2026
What HERITAGE COMMUNITY BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 180,818,000 | 184,398,000 |
| Total loans | 150,832,000 | 145,242,000 |
| Allowance for loan losses | 1,928,000 | 1,906,000 |
| Securities available for sale | 2,472,000 | 2,479,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 151,725,000 | 152,069,000 |
| Interest-bearing deposits | 131,351,000 | 132,453,000 |
| Noninterest-bearing deposits | 20,374,000 | 19,616,000 |
| Equity capital | 18,153,000 | 18,617,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 2,599,000 | 5,319,000 |
| Interest expense | 957,000 | 1,895,000 |
| Net interest income | 1,642,000 | 3,424,000 |
| Noninterest income | 108,000 | 201,000 |
| Noninterest expense | 1,350,000 | 2,636,000 |
| Provision for loan losses | 9,000 | -3,000 |
| Pretax income | 414,000 | 1,002,000 |
| Income tax | 91,000 | 216,000 |
| Net income | 323,000 | 786,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 18,164,000 | 18,627,000 |
| Total capital | 19,744,000 | 20,175,000 |
| Risk-weighted assets | 125,882,000 | 123,323,000 |