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

KPI Performance

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

Key performance indicators — YTD through May 2026

Total assets

YTD through May 2026
$1.18B
▲+4.5%vs $1.13B a year earlier
cash + securities + gross loans − allowance + premises & other
Computed from
Cash & equivalents
cash_and_equivalents · 1 row · May 2026
$76.7M
Investment securities
investment_securities · 1 row · May 2026
$270M
Gross loans
loans_gross · 1 row · May 2026
$827M
Allowance for credit losses
allowance_for_credit_losses · 1 row · May 2026
$11.2M
Premises & other assets
premises_and_other_assets · 1 row · May 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 May 2026
$978M
▲+3.8%vs $942M a year earlier
deposits at period end
Computed from
Total deposits
deposits · 1 row · May 2026
$978M

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 May 2026
$827M
▲+8.4%vs $764M a year earlier
gross loans at period end
Computed from
Gross loans
loans_gross · 1 row · May 2026
$827M

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 May 2026
$4.8M
▼-3.5%vs $5.0M a year earlier
pre-tax income − income tax expense
Computed from
Interest income
interest_income · 5 rows · 5 months
$27.5M
Interest expense
interest_expense · 5 rows · 5 months
$10.4M
Non-interest income
non_interest_income · 5 rows · 5 months
$3.1M
Non-interest expense
non_interest_expense · 5 rows · 5 months
$13.2M
Provision for credit losses
provision_for_credit_losses · 5 rows · 5 months
$955K
Income tax expense
income_tax_expense · 5 rows · 5 months
$1.3M

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.

Net interest margin

YTD through May 2026
3.67%
▼-19bpsvs 3.86% 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 · 5 rows · 5 months
$27.5M
Interest expense
interest_expense · 5 rows · 5 months
$10.4M
Average earning assets
avg_earning_assets · 5 rows · 5 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 May 2026
0.98%
▼-8bpsvs 1.07% a year earlier
net income ÷ average total assets, annualised
Computed from
Interest income
interest_income · 5 rows · 5 months
$27.5M
Interest expense
interest_expense · 5 rows · 5 months
$10.4M
Non-interest income
non_interest_income · 5 rows · 5 months
$3.1M
Non-interest expense
non_interest_expense · 5 rows · 5 months
$13.2M
Provision for credit losses
provision_for_credit_losses · 5 rows · 5 months
$955K
Income tax expense
income_tax_expense · 5 rows · 5 months
$1.3M
Average total assets
avg_total_assets · 5 rows · 5 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 May 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 May 2026
65.28%
▲+113bpsvs 64.15% 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 · 5 rows · 5 months
$27.5M
Interest expense
interest_expense · 5 rows · 5 months
$10.4M
Non-interest income
non_interest_income · 5 rows · 5 months
$3.1M
Non-interest expense
non_interest_expense · 5 rows · 5 months
$13.2M

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$17.1$17.2-0.1%
Non-interest income$3.1$2.7+12.7%
Total revenue$20.2$19.9+1.6%
Non-interest expense$13.2$12.8+3.4%
Provision for losses$1.0$0.8+12.7%
Pre-tax income$6.1$6.3-3.5%
Net income$4.8$5.0-3.5%
YTD through May 2026PriorΔ

Loan portfolio mix

$827MTOTAL
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+
1.05%
+16bps YoY
NPL ratioNet charge-offs

Liquidity

Loan-to-deposit ratiomax 95% · board policy84.61%ok
Liquid assets / assetsmin 10% · board policy20.64%ok
FHLB availability$129M
Brokered depositsmax 5% · board policy3.47%ok
Uninsured depositsmax 35% · board policy28.95%ok
Cash & equivalents$76.7M

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Intelligence by SmarterFI · KPI Performance · YTD through May 2026

Checking bank data

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