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 — YTD

Total assets

YTD 2026
$1.19B
▲+4.4%vs $1.14B a year earlier
cash + securities + gross loans − allowance + premises & other
Computed from
Cash & equivalents
cash_and_equivalents · 1 row · June 2026
$77.2M
Investment securities
investment_securities · 1 row · June 2026
$273M
Gross loans
loans_gross · 1 row · June 2026
$833M
Allowance for credit losses
allowance_for_credit_losses · 1 row · June 2026
$11.3M
Premises & other assets
premises_and_other_assets · 1 row · June 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 2026
$986M
▲+3.6%vs $951M a year earlier
deposits at period end
Computed from
Total deposits
deposits · 1 row · June 2026
$986M

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 2026
$833M
▲+8.4%vs $768M a year earlier
gross loans at period end
Computed from
Gross loans
loans_gross · 1 row · June 2026
$833M

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 2026
$5.7M
▼-4.6%vs $6.0M a year earlier
pre-tax income − income tax expense
Computed from
Interest income
interest_income · 6 rows · 6 months
$33.2M
Interest expense
interest_expense · 6 rows · 6 months
$12.7M
Non-interest income
non_interest_income · 6 rows · 6 months
$3.7M
Non-interest expense
non_interest_expense · 6 rows · 6 months
$15.8M
Provision for credit losses
provision_for_credit_losses · 6 rows · 6 months
$1.1M
Income tax expense
income_tax_expense · 6 rows · 6 months
$1.5M

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 2026
3.66%
▼-20bpsvs 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 · 6 rows · 6 months
$33.2M
Interest expense
interest_expense · 6 rows · 6 months
$12.7M
Average earning assets
avg_earning_assets · 6 rows · 6 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 2026
0.97%
▼-9bpsvs 1.07% a year earlier
net income ÷ average total assets, annualised
Computed from
Interest income
interest_income · 6 rows · 6 months
$33.2M
Interest expense
interest_expense · 6 rows · 6 months
$12.7M
Non-interest income
non_interest_income · 6 rows · 6 months
$3.7M
Non-interest expense
non_interest_expense · 6 rows · 6 months
$15.8M
Provision for credit losses
provision_for_credit_losses · 6 rows · 6 months
$1.1M
Income tax expense
income_tax_expense · 6 rows · 6 months
$1.5M
Average total assets
avg_total_assets · 6 rows · 6 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 June 2026 · selected context: YTD
12.78%
▼-10bpsvs 12.88% a year earlier
common equity tier 1 capital ÷ risk-weighted assets
Computed from
CET1 capital
cet1_capital · 1 row · June 2026
$111M
Risk-weighted assets
risk_weighted_assets · 1 row · June 2026
$871M

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 2026
65.44%
▲+137bpsvs 64.08% 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 · 6 rows · 6 months
$33.2M
Interest expense
interest_expense · 6 rows · 6 months
$12.7M
Non-interest income
non_interest_income · 6 rows · 6 months
$3.7M
Non-interest expense
non_interest_expense · 6 rows · 6 months
$15.8M

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.

Deposit and loan trends — trailing 12 months

DepositsLoans

Income statement — $M

Net interest income$20.5$20.6-0.6%
Non-interest income$3.7$3.3+12.6%
Total revenue$24.2$23.9+1.2%
Non-interest expense$15.8$15.3+3.4%
Provision for losses$1.1$1.0+11.6%
Pre-tax income$7.2$7.6-4.6%
Net income$5.7$6.0-4.6%
YTDPriorΔ

Loan portfolio mix

$833MTOTAL
Commercial RE38.1%
Residential RE28.8%
C&I17.1%
Consumer8.9%
Construction7.1%

Credit quality

NPL ratio
0.95%
-1bps YoY
Net charge-offs
0.17%
-1bps YoY
ALLL / loans
1.36%
+2bps YoY
Past due 30+
1.15%
+27bps YoY
NPL ratioNet charge-offs

Liquidity

Loan-to-deposit ratiomax 95% · board policy84.46%ok
Liquid assets / assetsmin 10% · board policy20.70%ok
FHLB availability$130M
Brokered depositsmax 5% · board policy3.50%ok
Uninsured depositsmax 35% · board policy29.00%ok
Cash & equivalents$77.2M

Ask SmarterFI

Intelligence by SmarterFI · KPI Performance · YTD

Checking bank data

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