Heritage Bank (FDIC #29012): Bank Stress & Real-Estate Credit Exposure
Heritage Bank (FDIC Cert #29012): bank stress 58/100, moderate, STABLE over 7 days; parent HERITAGE FINANCIAL CORP.
Heritage Bank (#29012) lends in 20 counties across 3 states; Heritage Bank (#29012) reaches 505 ZIP codes: Washington 16 counties, 381 ZIPs; Oregon 3 counties, 105 ZIPs; Idaho 1 county, 19 ZIPs.
Heritage Bank (#29012) largest markets: King County, WA (534 branches, 89 ZIPs) (#29012), Pierce County, WA (660 branches, 60 ZIPs) (#29012), Spokane County, WA (48 branches, 48 ZIPs) (#29012), Multnomah County, OR (88 branches, 44 ZIPs) (#29012), Lane County, OR (39 branches, 39 ZIPs) (#29012), Washington County, OR (96 branches, 32 ZIPs) (#29012).
Heritage Bank (#29012) reports $8.42 billion in total assets; Heritage Bank (#29012) equity $1.12 billion (13.3% of Heritage Bank (#29012) assets); Heritage Bank (#29012) domestic deposits $7.04 billion; Heritage Bank (#29012) net income $41.8 million; Heritage Bank (#29012) return on assets 1.05%; Heritage Bank (#29012) return on equity 7.88%; Heritage Bank (#29012) net interest income $144.9 million; Heritage Bank (#29012) call report June 30, 2026.
Heritage Bank (#29012) noncurrent real-estate loans: none reported; Heritage Bank (#29012) net charge-offs on real estate 0.25%; Heritage Bank (#29012) residential charge-offs 0.08%.
Heritage Bank (#29012) net interest margin 4.12% against an eight-quarter Heritage Bank (#29012) average of 3.63% (Heritage Bank (#29012) compression -0.49 points); Heritage Bank (#29012) real-estate loans 0.3% of equity; Heritage Bank (#29012) non-residential real estate 7.9% of equity; Heritage Bank (#29012) rate-exposure score 40/100, Heritage Bank (#29012) fixed-rate trap 40/100; Heritage Bank (#29012) risk type credit driven; Heritage Bank (#29012) rate regime rates elevated, Heritage Bank (#29012) snapshot October 19, 2026.
Heritage Bank (#29012) stress score moved from 54.6 on June 22, 2026 to 57.8 on October 19, 2026; Heritage Bank (#29012) ranged 54.6 to 57.8 over 116 snapshots.
Heritage Bank (#29012) alerts: 19 counties; top Heritage Bank (#29012) alert scores: Spokane County, WA 38 (moderate); Yakima County, WA 34 (low); Bellingham County, WA 21 (low); Boise County, WA 21 (low); Eugene County, WA 21 (low).