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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

HERITAGE BANK INC

FDIC #33119 · KY · period 20260630

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Total assets1,018,131-21.92% YoY

Total deposits894,306-23.31% YoY

Net loans and leases697,619-10.93% YoY

Return on assets0.83%-22.79% YoY

Return on equity9.35%-31.55% YoY

Net interest margin3.48%+5.08% YoY

Peer position

Return on assets33rdin line · n=902

Return on equity75thstrength · n=894

Net interest margin40thin line · n=902

Equity to assets4thopportunity · n=894

Noncurrent loans54thin line · n=887

Liquid assets81ststrength · n=895

Brokered deposits42ndin line · n=890

Loans to deposits87thstrength · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2020-03-31	1,018,131	894,306	697,619	0.83	9.35	3.48
2020-06-30	1,165,794	1,035,773	797,899	0.95	11.09	3.41
2020-09-30	1,157,631	1,020,293	798,586	0.98	11.53	3.42
2020-12-31	1,278,325	1,136,265	775,665	1.10	13.15	3.43
2021-03-31	1,303,887	1,166,132	783,197	1.07	13.66	3.31
2021-06-30	1,390,756	1,247,248	757,914	1.04	13.35	3.27
2021-09-30	1,376,609	1,224,917	738,318	1.07	13.61	3.28
2021-12-31	1,463,835	1,315,246	727,674	1.14	14.59	3.21
2022-03-31	1,450,136	1,319,660	737,600	0.84	12.09	2.98
2022-06-30	1,449,019	1,336,873	789,160	0.96	15.01	3.08
2022-09-30	1,464,653	1,370,464	862,852	1.02	17.55	3.19
2022-12-31	1,580,780	1,463,096	959,007	1.12	20.31	3.25
2023-03-31	1,582,038	1,387,240	972,994	0.96	19.90	3.07
2023-06-30	1,582,317	1,340,013	988,655	1.00	20.34	2.98
2023-09-30	1,594,809	1,474,650	1,005,641	0.97	20.53	2.92
2023-12-31	1,763,862	1,631,821	1,022,567	0.98	20.11	2.82
2024-03-31	1,771,784	1,639,049	1,022,185	0.72	13.44	2.39
2024-06-30	1,739,081	1,607,490	1,078,955	0.79	14.72	2.49
2024-09-30	1,755,374	1,611,384	1,112,839	0.80	14.26	2.60
2024-12-31	1,881,712	1,734,878	1,135,927	0.94	16.77	2.71
2025-03-31	1,821,131	1,686,685	1,150,376	0.89	15.53	3.21
2025-06-30	1,824,512	1,688,372	1,191,164	0.96	16.22	3.32
2025-09-30	1,894,531	1,720,293	1,247,702	1.00	16.40	3.38
2025-12-31	2,094,353	1,932,253	1,257,619	1.08	17.64	3.42
2026-03-31	2,004,124	1,844,106	1,257,930	1.00	15.11	3.46
2026-06-30	1,993,366	1,825,441	1,224,146	1.03	15.18	3.54

Structure and branch footprint

19 current branch locations across 2 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2012-04-07	1	132219	1469677

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.