BlastPoint's Banking Scorecard
Heritage Bank, Inc.
Designations: ✓ Community bank
Burlington, KY
19 branches across KY · OH
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 16 in KY.
- Deposits +8.1% year over year ($1.8B on the books).
- Delinquency rate 0.47%.
- Return on assets 1.03%.
- Efficiency ratio 62.67% vs a 59.73% peer average.
- Loan-to-deposit ratio 67.06% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Heritage Bank, Inc. has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.39% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 7.7% in tier
- - ROA 0.36% below tier average
- - Net Interest Margin 0.33% below tier average
- - Efficiency Ratio 2.94% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
+9.3% YoY
-0.5% QoQ
|
-$799.9M |
$2.8B
-0.6% YoY
|
$707.7M
+4.5% YoY
|
$6.3B
+7.7% YoY
|
49% |
| Total Loans ? |
$1.2B
+2.8% YoY
-2.7% QoQ
|
-$739.1M |
$2.0B
-0.3% YoY
|
$500.8M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
44% |
| Total Deposits ? |
$1.8B
+8.1% YoY
-1.0% QoQ
|
-$493.4M |
$2.3B
-0.5% YoY
|
$593.9M
+4.1% YoY
|
$4.9B
+7.3% YoY
|
55% |
| Return on Assets ? |
1.03%
+8.1% YoY
+3.6% QoQ
|
-0.36% |
1.39%
+17.0% YoY
|
1.28%
+12.5% YoY
|
1.30%
+12.1% YoY
|
32% |
| Net Interest Margin ? |
3.54%
+6.7% YoY
+2.3% QoQ
|
-0.33% |
3.87%
+6.2% YoY
|
3.93%
+6.2% YoY
|
3.95%
+4.9% YoY
|
39% |
| Efficiency Ratio ? |
62.67%
-3.2% YoY
+2.0% QoQ
|
+2.94% |
59.73%
-12.6% YoY
|
64.24%
-3.9% YoY
|
70.05%
+2.5% YoY
|
38% |
| Delinquency Rate ? |
0.47%
+29.3% YoY
+74.5% QoQ
|
-0.39% |
0.87%
+11.7% YoY
|
0.91%
+20.0% YoY
|
0.98%
+16.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
67.06%
-4.9% YoY
-1.7% QoQ
|
-17.98% |
85.04%
-0.1% YoY
|
81.25%
+1.1% YoY
|
79.03%
+2.3% YoY
|
Top 12.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.92%
+3.9% YoY
+5.5% QoQ
|
-0.35% |
21.27%
-1.5% YoY
|
23.27%
-2.3% YoY
|
21.98%
-0.6% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.30%
+24.4% YoY
+74.5% QoQ
|
-0.38% |
0.67%
+11.7% YoY
|
0.64%
+23.9% YoY
|
0.69%
+15.8% YoY
|
62% |
| Tier 1 Capital Ratio ? |
11.86%
+9.7% YoY
+3.1% QoQ
|
-2.98% |
14.84%
-0.4% YoY
|
16.76%
+11.6% YoY
|
17.09%
+0.8% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.40%
-0.8% YoY
+110.9% QoQ
|
-0.13% |
0.53%
+2.5% YoY
|
0.31%
+0.1% YoY
|
0.66%
+5.2% YoY
|
70% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
20.9%
+0.8pp YoY +1.1pp QoQ |
-0.4pp | 21.4% | 23.5% | 22.2% | 56% |
| Brokered Deposits |
3.0%
-2.9pp YoY -1.3pp QoQ |
-6.4pp | 9.5% | 5.4% | 8.5% | 35% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
15.8%
0.0pp YoY +0.6pp QoQ |
+1.7pp | 14.0% | 8.6% | 12.5% | 69% |
| CRE |
65.0%
-1.8pp YoY -1.7pp QoQ |
+15.0pp | 50.0% | 37.1% | 41.4% | 83% |
| 1-4 Family |
17.2%
+0.1pp YoY +1.2pp QoQ |
-9.2pp | 26.4% | 41.6% | 31.3% | 36% |
| Consumer |
2.4%
+1.9pp YoY 0.0pp QoQ |
-2.3pp | 4.7% | 4.8% | 5.0% | 68% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.9%
+1.0pp YoY +0.4pp QoQ |
-3.7pp | 15.6% | 20.2% | 19.7% | 21% |
| Leverage Ratio |
9.0%
+0.4pp YoY +0.4pp QoQ |
-2.3pp | 11.3% | 14.0% | 12.6% | 12% |
| Total Capital Ratio |
13.0%
+1.2pp YoY +0.4pp QoQ |
-3.7pp | 16.7% | 21.3% | 20.8% | 21% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
245
+14 (+6.1%) YoY +8 (+3.4%) QoQ |
-69 | 313 | 105 | 482 | 53% |
| Assets per Employee ($) |
$8.1M
+3.0% YoY -3.8% QoQ |
-$2.3M | $10.5M | $6.3M | $8.8M | 42% |
| Branch Count |
19
0 YoY 0 QoQ |
-1 | 20 | 8 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.5%
+0.1pp YoY +0.2pp QoQ |
-0.4pp | 0.8% | 0.8% | 1.0% | 46% |
| Allowance Coverage |
2.53x
-18.2% YoY -41.2% QoQ |
-16.18x | 18.71x | 7.45x | 20.23x | 58% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.3% | 0.1% | 0.2% | 71% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.2%
-1.0pp YoY +0.1pp QoQ |
+2.6pp | 12.6% | 13.3% | 11.6% | 75% |
| Cost of Funds (YTD) |
1.9%
-0.3pp YoY -0.1pp QoQ |
0.0pp | 1.9% | 1.7% | 1.7% | 50% |
| Net Income ($, YTD) |
$10.5M
+19.1% YoY — QoQ |
-$8.7M | $19.2M | $5.1M | $40.4M | 42% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.