Vitals
  • Total Assets
    225.7M -5.3 %
  • Total Deposits
    198.6M -6.1 %
  • Total Net Loans
    105.0M 13.5 %
  • Net Income
    2.3M 3.6 %
  • Book Value
    15.4M -4.5 %
  • Book Value x2
    30.9M -4.5 %
  • Book Value x3
    46.3M -4.5 %
ROAA

1.146

ROAE

19.98

Efficiency Ratio

63.319

Net Interest Margin

3.414

Balance Sheet Highlights
Financial Highlights Heritage National Bank All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 225,715 139,662
Total Net Loans 105,010 80,016
Total Deposits 198,584 118,319
Total Equity 15,449 13,896
Profitability
Net Income 2,288 2,797
Return on Average Assets 1.146 1.364
Return on Average Equity 19.98 13.926
Net Interest Margin 3.414 4.458
Efficiency Ratio 63.319 66.756
Noninterest Income/Revenue 14.925 15.815
Balance Sheet Ratios
Loan-to-Deposit 52.879 64.049
Securities/Assets .461 .66
Total Equity/Total Assets .068 .099
Tangible Equity/Tangible Assets .068 -.068
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 15,987 13,314
Tier 2 Capital 1,458 940
Total Capital 17,445 14,250
Total Risk Weighted Assets 116,789 89,140
Leverage Ratio 6.97 10.213
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 13.69 17.138
Total Capital Ratio 14.94 18.193

Timeline for Heritage National Bank

State National Bank

Heritage National Bank was acquired by State National Bank 18 years

View Profile Oct 07 2005

Heritage Associated Services, Inc.

Heritage Associated Services, Inc. became a new parent organization for Heritage National Bank.

View Profile Jan 01 1998

Benbrook State Bank

Acquisition: Heritage National Bank acquired a new subsidiary, Benbrook State Bank, 31 years

View Profile Sep 16 1992

Heritage Financial Corporation

Heritage Financial Corporation became a new parent organization for Heritage National Bank.

View Profile Oct 21 1986

Heritage National Bank

Heritage National Bank was established 39 years ago and is currently headquartered in Granbury, TX.

Jun 04 1984
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
State National Bank Buyer 1,978,402 Pooling of Interests Discontinued 10/7/2005
Benbrook State Bank Seller 37,438 Discontinued 9/16/1992
Relationships Role Relationship Start Relationship End
Heritage Associated Services, Inc. Parent 1/1/1998 10/6/2005
Heritage Financial Corporation Parent 10/21/1986 12/31/1997
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