HERITAGE FINANCIAL
CUMiddletown, NY
Total Assets
$802M
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Total Loans
$652M
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HERITAGE FINANCIAL in NY reported a Texas ratio of 9.3% in Q1 2026, unchanged from the prior quarter. Nonperforming assets stood at 1.17%, remaining flat on a sequential basis.
Portfolio composition
| Category | Balance | % of total | NPL % | Charge-off % |
|---|---|---|---|---|
| 1-4 family — 1st lien | $279M | 42.8% | — | — |
| 1-4 family — junior lien | $100M | 15.3% | — | — |
| Multifamily | $10M | 1.5% | — | — |
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20-quarter trend panels
See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.
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Peer cohort comparison
Benchmark against banks in the same size and geography cohort.
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Full portfolio composition
Every loan category, NPL ratio, and charge-off rate — beyond the top 3.
HERITAGE FINANCIAL currently appears on: Under-Reserved Lenders