BlastPoint's Banking Scorecard

Heritage Bank & Trust

$100M-$1B Specialty: Commercial TN FDIC cert 58220

Columbia, TN

5 branches across TN

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 72 in TN.
Deposits +6.0% year over year ($377.3M on the books).
Delinquency rate 0.36%.
Return on assets 1.28%.
Efficiency ratio 64.99% vs a 64.48% peer average.
Loan-to-deposit ratio 93.67% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 72 in TN

View $100M-$1B leaderboard (TN) →

Heritage Bank & Trust has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 44.9% in tier
+ Net Interest Margin 0.17% above tier average
+ Delinquency Rate 0.55% below tier average

Key Concerns

Areas that may need attention

- Efficiency Ratio 0.51% above tier average

Get updates when Heritage Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$417.8M +6.9% YoY -0.0% QoQ	+$31.2M	$386.6M +1.2% YoY	$2.9B +37.8% YoY	$6.3B +7.7% YoY	63%
Total Loans ?	$353.5M +17.0% YoY +1.8% QoQ	+$95.1M	$258.3M +1.7% YoY	$2.1B +37.6% YoY	$3.2B +9.4% YoY	75%
Total Deposits ?	$377.3M +6.0% YoY +1.0% QoQ	+$50.6M	$326.7M +0.7% YoY	$2.4B +35.4% YoY	$4.9B +7.3% YoY	67%
Return on Assets ?	1.28% +95.2% YoY -17.0% QoQ	-0.04%	1.32% +10.8% YoY	1.13% +12.0% YoY	1.30% +12.1% YoY	52%
Net Interest Margin ?	4.16% +8.1% YoY +0.6% QoQ	+0.17%	3.99% +5.0% YoY	3.99% +5.6% YoY	3.95% +4.9% YoY	63%
Efficiency Ratio ?	64.99% -13.6% YoY +6.5% QoQ	+0.51%	64.48% -3.2% YoY	65.40% -4.8% YoY	70.05% +2.5% YoY	42%
Delinquency Rate ?	0.36% -30.8% YoY -10.8% QoQ	-0.55%	0.92% +15.7% YoY	0.70% +6.5% YoY	0.98% +16.3% YoY	53%
Loan-to-Deposit Ratio ?	93.67% +10.5% YoY +0.8% QoQ	+15.72%	77.95% +1.0% YoY	81.19% +2.5% YoY	79.03% +2.3% YoY	19%
Non-Interest-Bearing Deposit Share ?	14.71% -11.0% YoY +1.7% QoQ	-7.32%	22.03% -0.6% YoY	18.80% -1.8% YoY	21.98% -0.6% YoY	23%
Nonperforming Asset Ratio ?	0.48% -41.0% YoY +42.1% QoQ	-0.19%	0.67% +16.4% YoY	0.58% +9.8% YoY	0.69% +15.8% YoY	40%
Tier 1 Capital Ratio ?	10.24% +0.3% YoY +1.2% QoQ	-5.67%	15.91% +1.4% YoY	14.06% -1.8% YoY	17.09% +0.8% YoY	Bottom 13.4% in tier
Non-Interest Income / Assets ?	0.55% +102.8% YoY +45.1% QoQ	-0.02%	0.57% +7.6% YoY	0.34% -6.5% YoY	0.66% +5.2% YoY	Top 8.2% in tier

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 (TN)	National Avg	Tier Percentile
Noninterest-Bearing	14.7% -1.8pp YoY +0.2pp QoQ	-7.4pp	22.1%	18.8%	22.2%	23%
Brokered Deposits	1.2% -1.0pp YoY 0.0pp QoQ	-6.6pp	7.9%	9.4%	8.5%	21%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
C&I	2.5% -0.5pp YoY +0.2pp QoQ	-9.0pp	11.6%	10.9%	12.5%	8%
CRE	46.9% +3.5pp YoY +0.4pp QoQ	+7.4pp	39.5%	42.4%	41.4%	65%
1-4 Family	48.7% -2.1pp YoY -0.3pp QoQ	+16.1pp	32.6%	39.8%	31.3%	81%
Consumer	0.8% -0.2pp YoY 0.0pp QoQ	-3.3pp	4.1%	4.5%	5.0%	24%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
CET1 Ratio	10.2% 0.0pp YoY +0.1pp QoQ	-8.6pp	18.8%	14.8%	19.7%	3%
Leverage Ratio	8.5% +0.1pp YoY +0.1pp QoQ	-3.7pp	12.2%	11.4%	12.6%	6%
Total Capital Ratio	11.5% 0.0pp YoY +0.1pp QoQ	-8.4pp	19.9%	15.9%	20.8%	4%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Full-Time Employees	64 -1 (-1.5%) YoY 0 QoQ	+5	58	270	482	66%
Assets per Employee ($)	$6.5M +8.6% YoY 0.0% QoQ	-$990K	$7.5M	$7.1M	$8.8M	43%
Branch Count	5 0 YoY 0 QoQ	0	4	17	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	0.4% -0.2pp YoY 0.0pp QoQ	-0.6pp	0.9%	0.7%	1.0%	44%
Allowance Coverage	4.53x +31.2% YoY +9.9% QoQ	-19.62x	24.15x	28.97x	20.23x	68%
Net Charge-off Rate (YTD)	0.0% -0.4pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	38%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
ROE	16.3% +7.2pp YoY -3.5pp QoQ	+4.1pp	12.2%	10.9%	11.6%	74%
Cost of Funds (YTD)	2.3% +0.1pp YoY 0.0pp QoQ	+0.5pp	1.7%	2.0%	1.7%	83%
Net Income ($, YTD)	$2.7M +105.4% YoY — QoQ	+$103K	$2.6M	$16.7M	$40.4M	64%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#298 of 661 • Top 44.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.55%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 1.28%

(Tier: 1.32%, National: 1.30%)

but worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

218

Non-Interest Income / Assets

revenue_mix

Value: 0.55%

Peer Median: 0.57%

#218 of 2643 Top 8.2% in $100M-$1B

Top Weaknesses (3 metrics)

2289

Tier 1 Capital Ratio

capital

Value: 10.24%

Peer Median: 15.91%

#2289 of 2643 Bottom 13.4% in $100M-$1B

2149

Loan-to-Deposit Ratio

liquidity

Value: 93.67%

Peer Median: 77.95%

#2149 of 2643 Bottom 18.7% in $100M-$1B

2032

Non-Interest-Bearing Deposit Share

funding

Value: 14.71%

Peer Median: 22.03%

#2032 of 2643 Bottom 23.2% in $100M-$1B