HV
Heritage Valley Bank
CEO Executive Dashboard
Data loaded July 2, 2026
JW

KPI Performance

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

Key performance indicators — FY 2025

Total assets

FY 2025
$1.18B
▲+4.9%vs $1.13B a year earlier
cash + securities + gross loans − allowance + premises & other
Computed from
Cash & equivalents
cash_and_equivalents · 1 row · December 2025
$76.8M
Investment securities
investment_securities · 1 row · December 2025
$296M
Gross loans
loans_gross · 1 row · December 2025
$799M
Allowance for credit losses
allowance_for_credit_losses · 1 row · December 2025
$10.8M
Premises & other assets
premises_and_other_assets · 1 row · December 2025
$19.7M

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

FY 2025
$982M
▲+4.4%vs $940M a year earlier
deposits at period end
Computed from
Total deposits
deposits · 1 row · December 2025
$982M

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

FY 2025
$799M
▲+7.8%vs $741M a year earlier
gross loans at period end
Computed from
Gross loans
loans_gross · 1 row · December 2025
$799M

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

FY 2025
$11.9M
▲+17.7%vs $10.1M a year earlier
pre-tax income − income tax expense
Computed from
Interest income
interest_income · 12 rows · 12 months
$61.3M
Interest expense
interest_expense · 12 rows · 12 months
$19.7M
Non-interest income
non_interest_income · 12 rows · 12 months
$6.7M
Non-interest expense
non_interest_expense · 12 rows · 12 months
$30.9M
Provision for credit losses
provision_for_credit_losses · 12 rows · 12 months
$2.3M
Income tax expense
income_tax_expense · 12 rows · 12 months
$3.2M

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.

Net interest margin

FY 2025
3.80%
▲+3bpsvs 3.77% 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 · 12 rows · 12 months
$61.3M
Interest expense
interest_expense · 12 rows · 12 months
$19.7M
Average earning assets
avg_earning_assets · 12 rows · 12 months
$1.09B

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

FY 2025
1.04%
▲+10bpsvs 0.94% a year earlier
net income ÷ average total assets, annualised
Computed from
Interest income
interest_income · 12 rows · 12 months
$61.3M
Interest expense
interest_expense · 12 rows · 12 months
$19.7M
Non-interest income
non_interest_income · 12 rows · 12 months
$6.7M
Non-interest expense
non_interest_expense · 12 rows · 12 months
$30.9M
Provision for credit losses
provision_for_credit_losses · 12 rows · 12 months
$2.3M
Income tax expense
income_tax_expense · 12 rows · 12 months
$3.2M
Average total assets
avg_total_assets · 12 rows · 12 months
$1.14B

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: FY 2025
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

FY 2025
64.04%
▼-207bpsvs 66.11% 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 · 12 rows · 12 months
$61.3M
Interest expense
interest_expense · 12 rows · 12 months
$19.7M
Non-interest income
non_interest_income · 12 rows · 12 months
$6.7M
Non-interest expense
non_interest_expense · 12 rows · 12 months
$30.9M

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$41.6$38.6+7.6%
Non-interest income$6.7$6.5+2.9%
Total revenue$48.2$45.1+6.9%
Non-interest expense$30.9$29.8+3.5%
Provision for losses$2.3$2.5-8.3%
Pre-tax income$15.0$12.8+17.7%
Net income$11.9$10.1+17.7%
FY 2025PriorΔ

Loan portfolio mix

$799MTOTAL
Commercial RE37.7%
Residential RE29.1%
C&I17.2%
Consumer9.0%
Construction7.0%

Credit quality

NPL ratio
0.93%
-10bps YoY
Net charge-offs
0.20%
+1bps YoY
ALLL / loans
1.35%
+2bps YoY
Past due 30+
0.86%
-7bps YoY
NPL ratioNet charge-offs

Liquidity

Loan-to-deposit ratiomax 95% · board policy81.38%ok
Liquid assets / assetsmin 10% · board policy22.06%ok
FHLB availability$131M
Brokered depositsmax 5% · board policy3.30%ok
Uninsured depositsmax 35% · board policy28.72%ok
Cash & equivalents$76.8M

Ask SmarterFI

Intelligence by SmarterFI · KPI Performance · FY 2025

Checking bank data

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.

Heritage Valley Bank — CEO Dashboard