Branch Performance
One focused view of growth, funding, efficiency and network contribution by location.
Branch performance — FY 2025
| Branch | Deposits | Loans | L/D ratio | Efficiency | YoY deposits | Share |
|---|---|---|---|---|---|---|
| Main Street — Downtown | $300M | $187M | 62.2% | 68.3% | +4.9% | |
| Riverside Branch | $189M | $135M | 71.3% | 70.2% | +6.1% | |
| Westfield Commercial | $141M | $184M | 130.3% | 44.4% | +2.0% | |
| Northgate Community | $124M | $80.1M | 64.6% | 88.5% | -1.0% | |
| Harbor Business Center | $108M | $125M | 115.7% | 43.5% | +8.6% | |
| Eastside Retail | $71.7M | $39.5M | 55.1% | 103.3% | +0.8% | |
| Lakeview Private | $47.0M | $48.5M | 103.3% | 40.7% | +14.1% | |
| Bank total | $982M | $799M | 81.4% | 64.0% |
Branch efficiency allocates the bank’s own revenue across branches on funds transfer pricing weights, so the column reconciles to the income statement. It is an allocation, not a branch P&L feed.
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Intelligence by SmarterFI · Branch Performance · FY 2025
Heritage Valley Bank · James R. Whitfield · data through December 2025 · 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.