# HERITAGE BANK
PEARLAND, TX · FDIC certificate 26372 · asset band $300M-1B · latest filing 2019-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $300.3M | |
| Deposits | $259.4M | |
| Loans and leases | $263.3M | |
| Total equity | $39.5M | |
| Loans / deposits | 100.29% (p86 of band) | 85.34% |
| Liquid assets / assets | 6.66% (p2 of band) | |
| Uninsured deposits / deposits | 32.94% (p79 of band) | 22.41% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p10 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.00% (p72 of band) | 10.60% |
| Unrealized securities loss / equity | 0.11% (p28 of band) | 0.73% |
| AOCI / equity | 0.15% (p14 of band) | |
| ROA (annualized) | 1.20% (p56 of band) | 1.13% |
| Net interest margin | 5.08% (p97 of band) | 3.74% |
| Efficiency ratio | 66.24% (p50 of band) | |
| Noncurrent loans | 0.69% (p60 of band) | 0.54% |
| Net charge-offs (annualized) | 0.06% (p66 of band) | |
| Reserve coverage of noncurrent | 173.77% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 126.50% (p96 of band) | |
| Auto loans | $166,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 5.5% | |
| Employees | 64 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 1 |  | losing money, expense ratio p90 |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2013-12 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 2 | capital falling, construction >100% equity |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 3 | capital falling, reserve under noncurrent |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 | charge-offs p90 | reserve under noncurrent |
| 2016-06 | 3 |  |  |
| 2016-09 | 5 | loans exceed deposits, liquid assets <10% |  |
| 2016-12 | 3 |  | capital falling, charge-offs p90 |
| 2017-03 | 2 |  | loans exceed deposits |
| 2017-06 | 2 | loans exceed deposits | construction >100% equity |
| 2017-09 | 1 |  | loans exceed deposits |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | loans exceed deposits |  |
| 2018-09 | 1 |  | loans exceed deposits |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | charge-offs p90 |  |
| 2019-06 | 2 | construction >100% equity | charge-offs p90 |
| 2019-09 | 3 | loans exceed deposits |  |
| 2019-12 | 3 |  |  |

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

- 2026-09-08 [RUSH at Heritage Bank Center! - qfm96.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5QSmJTaDA3N1IzTXl5ejZ5NkFaelc5dlVSdFR0UWtZYXFjNHVWVS1yZVl3bUhfNGR1MHUwQnhmUEtuYklucUZ2a3BuYnMyclpwSzBPX3B2eWZ1enBfaFg0Wk9KeDk?oc=5) · qfm96.com
- 2026-03-22 [Heritage Bank Data Breach Affects 182k: Social Security Numbers Exposed - Claim Depot](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5SZU5RX3p2R05qcVJCN0lXdlQ2ZkxReE4wRnJ0d0w5bExKTTE1U184LV9xOXE3OXI3TC1Na0p2dTU2Q0U4ejdkVFlGcDVCcC1iU2stNThSVENVUm5GRWlRc01MLWZVdTY1?oc=5) · Claim Depot
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-03-20 [American Heritage Bank (OK) Review - SmartAsset](https://news.google.com/rss/articles/CBMihwFBVV95cUxQTFFFTnU2SjhINHdKNEV4ZWJsajc0SUdTT0hnNnFfc0FDSEtLdDVGSDB6Wl9yZXl6cWVDclZpeXhyX2RyaUN3dEYxVl9hSmdSSmlvREkwcVVvUFI4TlN1OTVSYTdjT2VkUU5nNVZOaFczOWNVQzZXWlVGVV8xZ3ZZRmhoR1pyVnc?oc=5) · SmartAsset
- 2026-07-10 [Monster Jam heads to Heritage Bank Center after DIGatron’s Tony Ochs visits ARC Cincinnati - WKEF](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNM0pQRVJ5dHl6SlFoYUJWRVo4TE5FczhLRlFRVjhXM1hYenR0WUNrWjM5S0tFUXJtS1lEMFhjY2RRcWhONmhnVWgtTTZEOWp4R2l1bzJHWXo0YThwQzFva19zNWdxaU8xaEpYc2ROdTY3ZVZfc3c0a0MxRkdqeFdxaVllQUxYb0dNSTVrazFvXy1odkJOOFdrQXJQOE1meWxldFFDcHZES3VLSGI0dDNUeVJMdUlVQmFf?oc=5) · WKEF
- 2025-11-20 [Cincinnati Faces No. 6 Louisville Friday Night at Heritage Bank - University of Cincinnati Athletics](https://news.google.com/rss/articles/CBMiowFBVV95cUxQdVdkTnQyTnBYUng4c19qWXp6b1gzVkJ1amY3WU1YbjUwQUF2VkhUYmRBQXhlWFZMTXdDV0xHaXNVR01mOTAxYlhVR0JuWEtuR3JXSklRWENDMTRfRFZjTEV1Y19tWjd1Qk9DVGU0REgxd216dG1IMG1uckpFLWhMTXRDMnZfRUhZU1ZGSDVlaDNwRWd0d1ZJVEJfc1B0NlZIVDFn?oc=5) · University of Cincinnati Athletics
- 2025-07-30 [Spotlight On: Steven Mack, CEO, Texas Heritage Bank - Capital Analytics Associates](https://news.google.com/rss/articles/CBMilAFBVV95cUxPTE5WQnhpTldYWWNrQjFKV1lNLVE2bHlEMVlrRmRKNnZRY1VYajgyZm1ROTBOU1gtMFZJaFNoUENoUWZNT05tVGdncV9HMXlaNHc1bmpGbGJfVmJCd2xkSnRwN1NzcjREcUwtOUpYdVMwY2ZoNVA1VkxJUTduOHJuTE9hSG1BOV9lVEZWTTI1Rm5rbllF?oc=5) · Capital Analytics Associates
- 2026-05-18 [What to Know for Journey: Final Frontier Tour Setlist - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiWkFVX3lxTE55bVdKcGNVcFc2WnJSQVV3YU9wU0dMQy1mTkhTeURaWmh5LURCVG5PcnJpSEVHZlR6RTNSWmhkVmtOWEd5X1d0c293V1Y3aGxTN3RxNjBfNTJRUQ?oc=5) · Ticketmaster Blog

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26372 (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/4.json (key "26372", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide