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

KPI Performance

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

Key performance indicators — YTD through Apr 2026

Total assets

YTD through Apr 2026
$1.18B
▲+4.6%vs $1.13B a year earlier
cash + securities + gross loans − allowance + premises & other
Computed from
Cash & equivalents
cash_and_equivalents · 1 row · April 2026
$76.3M
Investment securities
investment_securities · 1 row · April 2026
$271M
Gross loans
loans_gross · 1 row · April 2026
$822M
Allowance for credit losses
allowance_for_credit_losses · 1 row · April 2026
$11.2M
Premises & other assets
premises_and_other_assets · 1 row · April 2026
$19.9M

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.

Total deposits

YTD through Apr 2026
$974M
▲+3.9%vs $937M a year earlier
deposits at period end
Computed from
Total deposits
deposits · 1 row · April 2026
$974M

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 Apr 2026
$822M
▲+8.4%vs $759M a year earlier
gross loans at period end
Computed from
Gross loans
loans_gross · 1 row · April 2026
$822M

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 Apr 2026
$3.9M
▼-2.5%vs $4.0M a year earlier
pre-tax income − income tax expense
Computed from
Interest income
interest_income · 4 rows · 4 months
$22.0M
Interest expense
interest_expense · 4 rows · 4 months
$8.2M
Non-interest income
non_interest_income · 4 rows · 4 months
$2.5M
Non-interest expense
non_interest_expense · 4 rows · 4 months
$10.6M
Provision for credit losses
provision_for_credit_losses · 4 rows · 4 months
$766K
Income tax expense
income_tax_expense · 4 rows · 4 months
$1.0M

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 Apr 2026
3.71%
▼-17bpsvs 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 · 4 rows · 4 months
$22.0M
Interest expense
interest_expense · 4 rows · 4 months
$8.2M
Average earning assets
avg_earning_assets · 4 rows · 4 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 Apr 2026
1.00%
▼-8bpsvs 1.07% a year earlier
net income ÷ average total assets, annualised
Computed from
Interest income
interest_income · 4 rows · 4 months
$22.0M
Interest expense
interest_expense · 4 rows · 4 months
$8.2M
Non-interest income
non_interest_income · 4 rows · 4 months
$2.5M
Non-interest expense
non_interest_expense · 4 rows · 4 months
$10.6M
Provision for credit losses
provision_for_credit_losses · 4 rows · 4 months
$766K
Income tax expense
income_tax_expense · 4 rows · 4 months
$1.0M
Average total assets
avg_total_assets · 4 rows · 4 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 Apr 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 Apr 2026
65.13%
▲+91bpsvs 64.22% 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 · 4 rows · 4 months
$22.0M
Interest expense
interest_expense · 4 rows · 4 months
$8.2M
Non-interest income
non_interest_income · 4 rows · 4 months
$2.5M
Non-interest expense
non_interest_expense · 4 rows · 4 months
$10.6M

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$13.7$13.7+0.3%
Non-interest income$2.5$2.2+12.8%
Total revenue$16.2$15.9+2.0%
Non-interest expense$10.6$10.2+3.5%
Provision for losses$0.8$0.7+14.4%
Pre-tax income$4.9$5.0-2.5%
Net income$3.9$4.0-2.5%
YTD through Apr 2026PriorΔ

Loan portfolio mix

$822MTOTAL
Commercial RE38.0%
Residential RE28.9%
C&I17.1%
Consumer8.9%
Construction7.1%

Credit quality

NPL ratio
0.96%
-1bps YoY
Net charge-offs
0.17%
-1bps YoY
ALLL / loans
1.36%
+2bps YoY
Past due 30+
0.94%
+5bps YoY
NPL ratioNet charge-offs

Liquidity

Loan-to-deposit ratiomax 95% · board policy84.43%ok
Liquid assets / assetsmin 10% · board policy20.73%ok
FHLB availability$129M
Brokered depositsmax 5% · board policy3.43%ok
Uninsured depositsmax 35% · board policy28.91%ok
Cash & equivalents$76.3M

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Intelligence by SmarterFI · KPI Performance · YTD through Apr 2026

Checking bank data

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