Heritage Bank

BankOlympia, Washington
www.heritagebanknw.com

Total Assets

$7.0B

Total Deposits

$5.9B

Branches

50

Established

1927

TFS Health Grade

$
C

74.4 / 100

Average financial health

How we grade

Heritage Bank is a bank headquartered in Olympia, Washington, established in 1927. With $7.0B in total assets and 50 branch locations, it has a TFS Financial Health Grade of C (74.4/100).

Capital & Safety

Tier 1 Capital Ratio
10.70%(8%)
Total Capital Ratio
13.92%(10%)
Non-Performing Loan Ratio
0.44%

Profitability

Return on Assets (ROA)
1.07%(1%)
Return on Equity (ROE)
8.30%(10%)
Net Interest Margin
3.63%
Efficiency Ratio
60.67%(60%)

Lending & Liquidity

Total Loans
$4.8B
Loan-to-Deposit Ratio
79.81%
Net Charge-Off Ratio
0.03%

Growth

Asset Growth (YoY)
-1.96%
Deposit Growth (YoY)
+4.18%
Net Income
$75.2M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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