# HERITAGE BANK OF NEVADA
RENO, NV · FDIC certificate 34072 · asset band $300M-1B · latest filing 2019-06 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $842.3M | |
| Deposits | $724.7M | |
| Loans and leases | $612.0M | |
| Total equity | $112.4M | |
| Loans / deposits | 83.42% (p44 of band) | 85.79% |
| Liquid assets / assets | 24.21% (p55 of band) | |
| Uninsured deposits / deposits | 30.42% (p76 of band) | 21.31% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p9 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.39% (p85 of band) | 10.63% |
| Unrealized securities loss / equity | 0.27% (p36 of band) | 0.67% |
| AOCI / equity | 1.49% (p39 of band) | |
| ROA (annualized) | 2.62% (p98 of band) | 1.11% |
| Net interest margin | 4.56% (p89 of band) | 3.74% |
| Efficiency ratio | 35.37% (p1 of band) | |
| Noncurrent loans | 0.17% (p23 of band) | 0.53% |
| Net charge-offs (annualized) | -0.01% (p18 of band) | |
| Reserve coverage of noncurrent | 731.91% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 51.10% (p62 of band) | |
| Auto loans | $117,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 1.4% | |
| Employees | 75 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | uninsured deposits leaving |  |
| 2014-12 | 0 |  | uninsured deposits leaving |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |

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

- 2020-01-09 [People: Kelly Wilmoth promoted to VP role at Heritage Bank - Northern Nevada Business Weekly](https://news.google.com/rss/articles/CBMikwFBVV95cUxNb1c1MnEwc1RKTFhVTEdRMVhCYk1tNWVWcG1qNXZxQkh6VkZQWm5UcmowaFNpc2xsTE80X2hmWE4xVm5BQ0lIX3BsenI3MVBTUEN6RUIzbWtzQlhqZTdjUC1uUGNhZDdpTmJMREhHM1VvMklhbjdTM3dDelRpc2pRVkd5eHpIcGZHM3hyNTlYUFdlWG8?oc=5) · Northern Nevada Business Weekly
- 2023-12-19 [Walter Alex Roskoski Obituary - Reno Gazette Journal](https://news.google.com/rss/articles/CBMiVEFVX3lxTE1wRnJMbk9ONnhkdUVDWUI0alU5dUtlRy1tbHc4VC1KTkdhN0JoM2pGSTF1b0dSVUhncFY1MTJXcVllY1Bpd0o4ME45YW5VQ0QtQzM4WA?oc=5) · Reno Gazette Journal
- 2025-08-19 [Sparks project transforming vacant big box location - Nevada Appeal](https://news.google.com/rss/articles/CBMirAFBVV95cUxPWXZzZzd3dlJ3Z2ZwZlpBTkZveVRWWWRDSndnaHJOLVBlbDFmNUFsZDlMWEhZblZUTFd0UTk3Nk8wZ1F3V05FM3FqaUtqaWhzdXNCSXFoMnFlVjRHOUliM0o3RWhNOHVETmw3S084VzcxM0poNGtNZGJfS0w0dEdqZjNIaWtseWR0eVJ6ZExNYkhUWUdXYS1ib052TlNfb3VTSndyWkpoVy1QZmVZ?oc=5) · Nevada Appeal
- 2018-10-29 [Stan Wilmoth wins banker of year award; NNBV people briefs for Oct. 2018 - Northern Nevada Business Weekly](https://news.google.com/rss/articles/CBMikwFBVV95cUxPRUNmcWpTT1Y5NEwzMF9pbHlOcmtpSlJnazRFdWJZQUJhemRwazZfZHo5bG5nbVlZUG1BU3NsNHRTVWRpdkdMeHRHczdLejk2LWxJWlBOZnFBX1ZZY1cwVWRJOW9wU0dPai1SY21ULVhXNm04YjIxanJHQndEWnFZQUd1SUtUNGRlaVFxQ1dmd0w4TWs?oc=5) · Northern Nevada Business Weekly
- 2026-08-31 [Glacier Bancorp Selects Byron Pollan to Become Deputy Chief Financial Officer and Succeed Ron Copher as CFO of Glacier Bancorp in 2027 - manilatimes.net](https://news.google.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?oc=5) · manilatimes.net
- 2017-11-14 [Wayne Condon Obituary (1932 - 2017) - Reno, NV - The Reno Gazette Journal and Lyon County News Leader - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxNaVhrY2NxdDNyRGJBX0hmb0lFTnJ2V0JLNndSbVk1em9GZ0dtZk8wRkpXeTVUOVJoR1hfbUl0ZkRtMEIzLUhiRndJa2ZfR2tVaDVhaE5qT2dmTFF4Y2d1bkRiMDYyRmJrWFA4S0JPcDJBOGRFVDllNFZiaDBJNlI3WmFZamJ4Zw?oc=5) · legacy.com
- 2025-04-03 [Richard Allan Schield - Reno Gazette Journal](https://news.google.com/rss/articles/CBMiVEFVX3lxTE5fX2Z6LXJGUmY1aE1HYnd3UUdaZE5DcUl4ZDNlYXExWWVkd1ZVOTNRVUdJTzRValBXdWNHcDVWdUJBUjF0V3gzWDA4RFhxck5VTl9MSA?oc=5) · Reno Gazette Journal
- 2014-11-10 [Fundraiser for wife of Carson City Deputy Sheriff - Nevada Appeal](https://news.google.com/rss/articles/CBMinAFBVV95cUxNTnpqZm1mczRNaW43ZmdISjhxeFVEY3NGZnpuNXlldmJzNjI4a1MxSXE4MnE2VnZVN0NQSVN4Wm5qdzIzLURVTWo2MFZRUmlUN2cxdGw4UUNSSmZuNTE5cjBFYnVyOGFDSjl4cWhYaVMtQmFPd054V0NqWmVrbUY1UGRZbXVXN0Z5NTR3eXViYUNSUlZPc3RkRUViVko?oc=5) · Nevada Appeal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34072 (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/24.json (key "34072", 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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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide