# HERITAGE BANK NATIONAL ASSN
JONESBORO, AR · FDIC certificate 16983 · asset band $300M-1B · latest filing 2014-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $302.1M | |
| Deposits | $244.0M | |
| Loans and leases | $229.4M | |
| Total equity | $34.5M | |
| Loans / deposits | 93.74% (p78 of band) | 80.75% |
| Liquid assets / assets | 15.38% (p18 of band) | |
| Uninsured deposits / deposits | 22.36% (p60 of band) | 19.51% |
| Brokered deposits | 0.53% | |
| Wholesale funding | 8.00% (p60 of band) | |
| FHLB advances / assets | 6.78% | |
| Tier 1 leverage | 9.76% (p44 of band) | 10.04% |
| Unrealized securities loss / equity | 0.07% (p28 of band) | 1.00% |
| AOCI / equity | 0.04% (p16 of band) | |
| ROA (annualized) | 0.61% (p26 of band) | 0.89% |
| Net interest margin | 2.94% (p13 of band) | 3.63% |
| Efficiency ratio | 58.59% (p21 of band) | |
| Noncurrent loans | 1.53% (p72 of band) | 0.89% |
| Net charge-offs (annualized) | 0.00% (p17 of band) | |
| Reserve coverage of noncurrent | 19.99% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 65.47% (p76 of band) | |
| Auto loans | $770,000 (0.34% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 8.8% | |
| Employees | 82 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | loans exceed deposits |  |
| 2011-12 | 0 |  | loans exceed deposits |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | charge-offs p90 |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 | loans exceed deposits | charge-offs p90 |
| 2013-12 | 1 | capital falling | loans exceed deposits |
| 2014-03 | 1 |  |  |
| 2014-06 | 4 | loans exceed deposits, NIM <2.5%, reserve under noncurrent |  |
| 2014-09 | 2 |  | capital falling, loans exceed deposits |
| 2014-12 | 1 |  | NIM <2.5% |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16983 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/23.json (key "16983", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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