$1.27B
+9.4%y/y
Percentile by value63rd percentileby value
FDIC
LNLSGRHB
Heritage Bank, Inc.
Burlington, KentuckyFDIC Cert #33119
STATEEstablished 199019 branches
Holding company: COMMONWEALTH HOLDINGS L L CRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $213M |
| Investor CRE | $345M |
| Multifamily | $75.5M |
| Construction | $206M |
| 1–4 family | $201M |
| C&I | $190M |
| Agriculture | $5.82M |
| Other | $35.4M |
Loan book
Reported balances and balance-sheet intensity.
$1.26B
+9.3%y/y
Percentile by value63rd percentileby value
FDIC
LNLSNET+9.35%
−25.4%y/y
Percentile by value70th percentileby value
FDIC
LNLSNET68.2%
+0.0%y/y
Percentile by value16th percentileby value
FDIC
LNLSNET + DEP62.8%
−0.6%y/y
Percentile by value23rd percentileby value
FDIC
LNLSNET + ASSET87.86%
−3.8%y/y
Percentile by value58th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
326%
−3.6%y/y
Percentile by value86th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC107%
−10.7%y/y
Percentile by value92nd percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC1,819points
−0.8%y/y
Peer standing68th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD16.76%
−7.2%y/y
Percentile by value76th percentileby value
FDIC
LNRENROW + LNLSGR27.12%
+8.0%y/y
Percentile by value75th percentileby value
FDIC
LNRENROT + LNLSGR14.97%
+9.5%y/y
Percentile by value72nd percentileby value
FDIC
LNCI + LNLSGR