HV
Heritage Valley Bank
CEO Executive Dashboard
Financial data through January 2026
JW

KPI Performance

The headline financial picture first, with YTD, month-over-month and quarter-over-quarter context.

Key performance indicators — YTD through Jan 2026

Total assets

YTD through Jan 2026
$1.17B
▲+5.0%vs $1.12B a year earlier
cash + securities + gross loans − allowance + premises & other
Computed from
Cash & equivalents
cash_and_equivalents · 1 row · January 2026
$76.2M
Investment securities
investment_securities · 1 row · January 2026
$281M
Gross loans
loans_gross · 1 row · January 2026
$806M
Allowance for credit losses
allowance_for_credit_losses · 1 row · January 2026
$10.9M
Premises & other assets
premises_and_other_assets · 1 row · January 2026
$19.8M

Load vintage v-2026-07-02-core, received 2 July 2026, 04:18. Facts are never updated in place — a restatement arrives as a new vintage, so this figure can be reproduced exactly as it stood today.

Total deposits

YTD through Jan 2026
$971M
▲+4.3%vs $931M a year earlier
deposits at period end
Computed from
Total deposits
deposits · 1 row · January 2026
$971M

Load vintage v-2026-07-02-core, received 2 July 2026, 04:18. Facts are never updated in place — a restatement arrives as a new vintage, so this figure can be reproduced exactly as it stood today.

Total loans

YTD through Jan 2026
$806M
▲+8.3%vs $744M a year earlier
gross loans at period end
Computed from
Gross loans
loans_gross · 1 row · January 2026
$806M

Load vintage v-2026-07-02-core, received 2 July 2026, 04:18. Facts are never updated in place — a restatement arrives as a new vintage, so this figure can be reproduced exactly as it stood today.

Net income

YTD through Jan 2026
$979K
▼-2.1%vs $1.0M a year earlier
pre-tax income − income tax expense
Computed from
Interest income
interest_income · 1 row · January 2026
$5.4M
Interest expense
interest_expense · 1 row · January 2026
$2.0M
Non-interest income
non_interest_income · 1 row · January 2026
$616K
Non-interest expense
non_interest_expense · 1 row · January 2026
$2.6M
Provision for credit losses
provision_for_credit_losses · 1 row · January 2026
$208K
Income tax expense
income_tax_expense · 1 row · January 2026
$260K

Load vintage v-2026-07-02-core, received 2 July 2026, 04:18. Facts are never updated in place — a restatement arrives as a new vintage, so this figure can be reproduced exactly as it stood today.

Net interest margin

YTD through Jan 2026
3.63%
▼-12bpsvs 3.76% a year earlier
(interest income − interest expense) ÷ average earning assets, annualised

Against average EARNING assets — not total assets, which would understate it.

Computed from
Interest income
interest_income · 1 row · January 2026
$5.4M
Interest expense
interest_expense · 1 row · January 2026
$2.0M
Average earning assets
avg_earning_assets · 1 row · January 2026
$1.13B

Load vintage v-2026-07-02-core, received 2 July 2026, 04:18. Facts are never updated in place — a restatement arrives as a new vintage, so this figure can be reproduced exactly as it stood today.

Return on assets

YTD through Jan 2026
0.98%
▼-7bpsvs 1.05% a year earlier
net income ÷ average total assets, annualised
Computed from
Interest income
interest_income · 1 row · January 2026
$5.4M
Interest expense
interest_expense · 1 row · January 2026
$2.0M
Non-interest income
non_interest_income · 1 row · January 2026
$616K
Non-interest expense
non_interest_expense · 1 row · January 2026
$2.6M
Provision for credit losses
provision_for_credit_losses · 1 row · January 2026
$208K
Income tax expense
income_tax_expense · 1 row · January 2026
$260K
Average total assets
avg_total_assets · 1 row · January 2026
$1.18B

Load vintage v-2026-07-02-core, received 2 July 2026, 04:18. Facts are never updated in place — a restatement arrives as a new vintage, so this figure can be reproduced exactly as it stood today.

CET1 capital ratio

Reported December 2025 · selected context: YTD through Jan 2026
12.83%
▼-10bpsvs 12.93% a year earlier
common equity tier 1 capital ÷ risk-weighted assets
Computed from
CET1 capital
cet1_capital · 1 row · December 2025
$110M
Risk-weighted assets
risk_weighted_assets · 1 row · December 2025
$861M

Load vintage v-2026-07-02-core, received 2 July 2026, 04:18. Facts are never updated in place — a restatement arrives as a new vintage, so this figure can be reproduced exactly as it stood today.

Efficiency ratio

YTD through Jan 2026
64.62%
▲+25bpsvs 64.37% a year earlier
non-interest expense ÷ (net interest income + non-interest income)

Not annualised — it is a ratio of two flows over the same window.

Computed from
Interest income
interest_income · 1 row · January 2026
$5.4M
Interest expense
interest_expense · 1 row · January 2026
$2.0M
Non-interest income
non_interest_income · 1 row · January 2026
$616K
Non-interest expense
non_interest_expense · 1 row · January 2026
$2.6M

Load vintage v-2026-07-02-core, received 2 July 2026, 04:18. Facts are never updated in place — a restatement arrives as a new vintage, so this figure can be reproduced exactly as it stood today.

Deposit and loan trends — trailing 12 months

DepositsLoans

Income statement — $M

Net interest income$3.5$3.4+1.6%
Non-interest income$0.6$0.5+12.8%
Total revenue$4.1$4.0+3.2%
Non-interest expense$2.6$2.6+3.6%
Provision for losses$0.2$0.1+41.3%
Pre-tax income$1.2$1.3-2.1%
Net income$1.0$1.0-2.1%
YTD through Jan 2026PriorΔ

Loan portfolio mix

$806MTOTAL
Commercial RE37.7%
Residential RE29.1%
C&I17.2%
Consumer9.0%
Construction7.0%

Credit quality

NPL ratio
0.98%
-1bps YoY
Net charge-offs
0.16%
-1bps YoY
ALLL / loans
1.35%
+2bps YoY
Past due 30+
0.84%
-6bps YoY
NPL ratioNet charge-offs

Liquidity

Loan-to-deposit ratiomax 95% · board policy83.03%ok
Liquid assets / assetsmin 10% · board policy21.37%ok
FHLB availability$128M
Brokered depositsmax 5% · board policy3.33%ok
Uninsured depositsmax 35% · board policy28.77%ok
Cash & equivalents$76.2M

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Intelligence by SmarterFI · KPI Performance · YTD through Jan 2026

Checking bank data

Heritage Valley Bank · James R. Whitfield · data through January 2026 · load vintage v-2026-07-02-core
Every figure is computed from the fact store. Open a KPI to see its formula and source rows.

Heritage Valley Bank — CEO Dashboard