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

KPI Performance

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

Key performance indicators — YTD through Feb 2026

Total assets

YTD through Feb 2026
$1.18B
▲+4.9%vs $1.12B a year earlier
cash + securities + gross loans − allowance + premises & other
Computed from
Cash & equivalents
cash_and_equivalents · 1 row · February 2026
$76.6M
Investment securities
investment_securities · 1 row · February 2026
$282M
Gross loans
loans_gross · 1 row · February 2026
$811M
Allowance for credit losses
allowance_for_credit_losses · 1 row · February 2026
$11.0M
Premises & other assets
premises_and_other_assets · 1 row · February 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 Feb 2026
$976M
▲+4.2%vs $937M a year earlier
deposits at period end
Computed from
Total deposits
deposits · 1 row · February 2026
$976M

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 Feb 2026
$811M
▲+8.3%vs $749M a year earlier
gross loans at period end
Computed from
Gross loans
loans_gross · 1 row · February 2026
$811M

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 Feb 2026
$2.0M
▼-1.3%vs $2.0M a year earlier
pre-tax income − income tax expense
Computed from
Interest income
interest_income · 2 rows · 2 months
$10.9M
Interest expense
interest_expense · 2 rows · 2 months
$4.0M
Non-interest income
non_interest_income · 2 rows · 2 months
$1.2M
Non-interest expense
non_interest_expense · 2 rows · 2 months
$5.3M
Provision for credit losses
provision_for_credit_losses · 2 rows · 2 months
$393K
Income tax expense
income_tax_expense · 2 rows · 2 months
$518K

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 Feb 2026
3.80%
▼-14bpsvs 3.94% 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 · 2 rows · 2 months
$10.9M
Interest expense
interest_expense · 2 rows · 2 months
$4.0M
Average earning assets
avg_earning_assets · 2 rows · 2 months
$1.12B

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 Feb 2026
1.03%
▼-6bpsvs 1.09% a year earlier
net income ÷ average total assets, annualised
Computed from
Interest income
interest_income · 2 rows · 2 months
$10.9M
Interest expense
interest_expense · 2 rows · 2 months
$4.0M
Non-interest income
non_interest_income · 2 rows · 2 months
$1.2M
Non-interest expense
non_interest_expense · 2 rows · 2 months
$5.3M
Provision for credit losses
provision_for_credit_losses · 2 rows · 2 months
$393K
Income tax expense
income_tax_expense · 2 rows · 2 months
$518K
Average total assets
avg_total_assets · 2 rows · 2 months
$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 Feb 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 Feb 2026
64.85%
▲+47bpsvs 64.38% 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 · 2 rows · 2 months
$10.9M
Interest expense
interest_expense · 2 rows · 2 months
$4.0M
Non-interest income
non_interest_income · 2 rows · 2 months
$1.2M
Non-interest expense
non_interest_expense · 2 rows · 2 months
$5.3M

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$6.9$6.8+1.2%
Non-interest income$1.2$1.1+12.8%
Total revenue$8.1$7.9+2.8%
Non-interest expense$5.3$5.1+3.6%
Provision for losses$0.4$0.3+22.8%
Pre-tax income$2.5$2.5-1.3%
Net income$2.0$2.0-1.3%
YTD through Feb 2026PriorΔ

Loan portfolio mix

$811MTOTAL
Commercial RE37.8%
Residential RE29.0%
C&I17.1%
Consumer9.0%
Construction7.0%

Credit quality

NPL ratio
0.98%
-1bps YoY
Net charge-offs
0.17%
-1bps YoY
ALLL / loans
1.35%
+2bps YoY
Past due 30+
0.83%
-6bps YoY
NPL ratioNet charge-offs

Liquidity

Loan-to-deposit ratiomax 95% · board policy83.13%ok
Liquid assets / assetsmin 10% · board policy21.31%ok
FHLB availability$128M
Brokered depositsmax 5% · board policy3.36%ok
Uninsured depositsmax 35% · board policy28.81%ok
Cash & equivalents$76.6M

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Intelligence by SmarterFI · KPI Performance · YTD through Feb 2026

Checking bank data

Heritage Valley Bank · James R. Whitfield · data through February 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