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BDI
HB

Heritage Bank, Inc.

Burlington, KentuckyFDIC Cert #33119

STATEEstablished 199019 branches

Holding company: COMMONWEALTH HOLDINGS L L CRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.19%
+24.7%y/y
Peer standing66th percentile
Peer standing in ubpr:primary:4
FDICP3ASSET + LNLSGR
90+ %
0.00%
−100.0%y/y
Peer standing100th percentile
Peer standing in ubpr:primary:4
FDICP9ASSET + LNLSGR
Nonaccrual %
0.27%
+25.8%y/y
Peer standing65th percentile
Peer standing in ubpr:primary:4
FDICNAASSET + LNLSGR
Noncurrent %
0.27%
+24.7%y/y
Peer standing69th percentile
Peer standing in ubpr:primary:4
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.17%
+24.0%y/y
Peer standing74th percentile
Peer standing in ubpr:primary:4
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$3.41M
+36.4%y/y
Peer standing68th percentile
Peer standing in ubpr:primary:4
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.17%
+89.6%y/y
Peer standing16th percentile
Peer standing in ubpr:primary:4
FDICNTLNLS + LNLSGR
NCO
$524K
+110.4%y/y
Peer standing17th percentile
Peer standing in ubpr:primary:4
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.15%
+5.7%y/y
Percentile by value45th percentileby value
Peer standing in ubpr:primary:4
FDICLNATRES + LNLSGR
30–89
$2.38M
+36.4%y/y
Peer standing62nd percentile
Peer standing in ubpr:primary:4
FDICP3ASSET
90+
$0
−100.0%y/y
Peer standing100th percentile
Peer standing in ubpr:primary:4
FDICP9ASSET
Nonaccrual
$3.41M
+37.6%y/y
Peer standing61st percentile
Peer standing in ubpr:primary:4
FDICNAASSET