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

KPI Performance

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

Key performance indicators — YTD through Mar 2026

Total assets

YTD through Mar 2026
$1.18B
▲+4.7%vs $1.13B a year earlier
cash + securities + gross loans − allowance + premises & other
Computed from
Cash & equivalents
cash_and_equivalents · 1 row · March 2026
$77.0M
Investment securities
investment_securities · 1 row · March 2026
$282M
Gross loans
loans_gross · 1 row · March 2026
$817M
Allowance for credit losses
allowance_for_credit_losses · 1 row · March 2026
$11.1M
Premises & other assets
premises_and_other_assets · 1 row · March 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 Mar 2026
$981M
▲+4.0%vs $943M a year earlier
deposits at period end
Computed from
Total deposits
deposits · 1 row · March 2026
$981M

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 Mar 2026
$817M
▲+8.3%vs $754M a year earlier
gross loans at period end
Computed from
Gross loans
loans_gross · 1 row · March 2026
$817M

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 Mar 2026
$2.9M
▼-1.8%vs $3.0M a year earlier
pre-tax income − income tax expense
Computed from
Interest income
interest_income · 3 rows · 3 months
$16.4M
Interest expense
interest_expense · 3 rows · 3 months
$6.1M
Non-interest income
non_interest_income · 3 rows · 3 months
$1.9M
Non-interest expense
non_interest_expense · 3 rows · 3 months
$7.9M
Provision for credit losses
provision_for_credit_losses · 3 rows · 3 months
$579K
Income tax expense
income_tax_expense · 3 rows · 3 months
$774K

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 Mar 2026
3.72%
▼-16bpsvs 3.88% 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 · 3 rows · 3 months
$16.4M
Interest expense
interest_expense · 3 rows · 3 months
$6.1M
Average earning assets
avg_earning_assets · 3 rows · 3 months
$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 Mar 2026
1.00%
▼-7bpsvs 1.07% a year earlier
net income ÷ average total assets, annualised
Computed from
Interest income
interest_income · 3 rows · 3 months
$16.4M
Interest expense
interest_expense · 3 rows · 3 months
$6.1M
Non-interest income
non_interest_income · 3 rows · 3 months
$1.9M
Non-interest expense
non_interest_expense · 3 rows · 3 months
$7.9M
Provision for credit losses
provision_for_credit_losses · 3 rows · 3 months
$579K
Income tax expense
income_tax_expense · 3 rows · 3 months
$774K
Average total assets
avg_total_assets · 3 rows · 3 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 March 2026 · selected context: YTD through Mar 2026
12.80%
▼-10bpsvs 12.90% a year earlier
common equity tier 1 capital ÷ risk-weighted assets
Computed from
CET1 capital
cet1_capital · 1 row · March 2026
$111M
Risk-weighted assets
risk_weighted_assets · 1 row · March 2026
$865M

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 Mar 2026
65.02%
▲+69bpsvs 64.32% 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 · 3 rows · 3 months
$16.4M
Interest expense
interest_expense · 3 rows · 3 months
$6.1M
Non-interest income
non_interest_income · 3 rows · 3 months
$1.9M
Non-interest expense
non_interest_expense · 3 rows · 3 months
$7.9M

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$10.3$10.3+0.8%
Non-interest income$1.9$1.6+12.8%
Total revenue$12.2$11.9+2.4%
Non-interest expense$7.9$7.7+3.5%
Provision for losses$0.6$0.5+17.2%
Pre-tax income$3.7$3.8-1.8%
Net income$2.9$3.0-1.8%
YTD through Mar 2026PriorΔ

Loan portfolio mix

$817MTOTAL
Commercial RE37.9%
Residential RE29.0%
C&I17.1%
Consumer9.0%
Construction7.1%

Credit quality

NPL ratio
0.97%
-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 policy83.24%ok
Liquid assets / assetsmin 10% · board policy21.26%ok
FHLB availability$129M
Brokered depositsmax 5% · board policy3.40%ok
Uninsured depositsmax 35% · board policy28.86%ok
Cash & equivalents$77.0M

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Intelligence by SmarterFI · KPI Performance · YTD through Mar 2026

Checking bank data

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