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BDI
HB

Heritage Bank of St Tammany

Covington, LouisianaFDIC Cert #29577

OCCEstablished 19245 branches

Holding company: HERITAGE NOLA BCORP INCRegulator: OCC

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 %
0.93%
−49.9%y/y
Peer standing31st percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICP3ASSET + LNLSGR
90+ %
0.69%
Peer standing3rd percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICP9ASSET + LNLSGR
Nonaccrual %
0.32%
−30.9%y/y
Peer standing56th percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICNAASSET + LNLSGR
Noncurrent %
1.01%
+115.2%y/y
Peer standing27th percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.86%
+128.0%y/y
Peer standing19th percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$1.44M
+108.7%y/y
Peer standing22nd percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICP9ASSET + NAASSET + ORE

Loss & allowance

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

NCO rate
0.02%
+93.6%y/y
Peer standing18th percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICNTLNLS + LNLSGR
NCO
$8K
+100.0%y/y
Peer standing18th percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
0.91%
+1.8%y/y
Percentile by value54th percentileby value
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICLNATRES + LNLSGR
30–89
$1.33M
−51.4%y/y
Peer standing30th percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICP3ASSET
90+
$975K
Peer standing3rd percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICP9ASSET
Nonaccrual
$461K
−33.0%y/y
Peer standing52nd percentile
Peer standing in FFIEC UBPR Peer Group 103 — Insured savings banks having assets between $100 million and $300 million
FDICNAASSET