FDIC Cert #29012 · Olympia, Washington · Est. 1927

Heritage Bank - FDIC Bank Health Profile

A community-scale look at Heritage Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$7.0B
Total assets
A
Health grade · Excellent
1.07%
Return on assets
13.0%
Tier 1 capital

Data updated July 2026

The verdict

Heritage Bank earns a PlainBankData health grade of A (83/100), with well-capitalized at 12.95% Tier 1, profitable at 1.07% ROA, 61% efficiency ratio.

#223
largest of 4,313 FDIC banks by assets
95th
percentile by asset size, nationally
12.95%
Tier 1 ratio - above the 10% well-capitalized line
48th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 29012 · WA A · 83/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (83/100)
  • MID-PACK #1521/4307
  • PHOTO-FINISH First Palmetto Bank · SC
  • TIER1-WELL 13.0% Tier 1
  • TEXAS-CLEAN 2.1% Texas
  • ROA-PAR 1.07% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Washington: First Palmetto Bank, SC (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Heritage Bank

Lowest and highest poles plus nearest scored peers outside Washington, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Federal Saving… · IL ·…83/100First Palmetto Bank · SC · n…83/100Heritage Bank · WA · this ba…83/100Home Bank, National… · LA · …83/100Southern Bank · MO · near83/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Heritage Bank · July 2026

Call Report read for Heritage Bank in a high-failure state

Heritage Bank (FDIC Cert #29012) carries a PlainBankData health grade of A at 83/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,521 of 4,307. Tier 1 capital prints at 12.95%, clearing the 10% well-capitalized line. The Texas Ratio is 2.15%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.07%. Balance-sheet scale is $7.0B, 223rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Palmetto Bank (SC), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Heritage Bank

19 FAILURE resolutions in Washington since 2000, heavy vs the state corpus

Heritage Bank sits in one of the heavier post-2000 FAILURE states (19 resolutions; latest year 2015). The list below is state history from the Failed Bank List, not a claim about Heritage Bank's current Call Report.

  • HOMETOWN NATIONAL BANK LONGVIEW, WA 2015 → TWIN CITY BANK
  • WESTSIDE COMMUNITY BANK UNIVERSITY PLACE, WA 2013 → SUNWEST BANK
  • BANK OF WHITMAN COLFAX, WA 2011 → COLUMBIA STATE BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Washington banks.

How Heritage Bank's 83/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10083/100
Heritage Bank's composite health score
Tier 1 Capital Ratio (12.95%) 35/40
Return on Assets (ROA) (1.07%) 20/25
Texas Ratio (2.15%) 20/20
Efficiency Ratio (60.67%) 8/15

83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$7.0B

Total balance-sheet footings

Total Deposits

$5.9B

Customer-funded liabilities

Net Loans

$4.7B

Outstanding loan book

Net Income

$75M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.55% 12.95% 14.35%
Basel III capital ratios - Heritage Bank

Where Heritage Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Heritage Bank's score of 83/100 falls in the highlighted band.

Heritage Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

83 Top 35% higher than 65% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Heritage Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Heritage Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Heritage Bank's $7.0B falls in the highlighted band.

Capital & credit buffers at Heritage Bank

Tier 1 capital ratio
Well-capitalized 10%

12.95% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.95%
Texas Ratio
2.15%
Equity Capital
$933M

What these ratios mean →

Earnings posture at Heritage Bank

Return on Assets (ROA)
48th percentile nationally
1.07%
Return on Equity (ROE)
8.30%
Efficiency Ratio
60.67%

What these mean →

Income & expense at Heritage Bank

$314M
Interest Income
$34M
Non-Interest Income
$159M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Heritage Bank reports a Texas Ratio of 2.15% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.15% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Heritage Bank on FDIC BankFind →

Top banks in Washington by total assets

Largest banks headquartered in Washington
  1. 1
    WaFd Bank $27.3B

    Seattle, WA · Grade B

  2. 2
    Banner Bank $16.3B

    Walla Walla, WA · Grade A

  3. 3
    Washington Trust Bank $10.7B

    Spokane, WA · Grade B

  4. 4
    Heritage Bank $7.0B

    Olympia, WA · Grade A

  5. 5
    Coastal Community Bank $4.7B

    Everett, WA · Grade A

Top 5 banks in Washington ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($7.0B here), outside Washington so the neighborhood is not state containment.

The Camden National Bank $7.0B · ME Intrust Bank $7.0B · KS Lake City Bank $7.0B · IN Cambridge Savings Bank $6.9B · MA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Heritage Bank (FDIC Cert #29012) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Heritage Bank Call Report profile · FDIC Failed Bank List · Washington FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Washington

All Washington banks →
BankAssetsGradeROA
WaFd BankSeattle $27.3B B 0.91%
Banner BankWalla Walla $16.3B A 1.24%
Washington Trust BankSpokane $10.7B B 0.89%
Coastal Community BankEverett $4.7B A 1.11%
1st Security Bank of WashingtonMountlake Terrace $3.2B A 1.14%
Peoples BankBellingham $2.5B B 1.00%
Cashmere Valley BankCashmere $2.3B A 1.33%
First Fed BankPort Angeles $2.1B C -0.10%