🏦Bank Scorer

HERITAGE BANK

OLYMPIA, WA · Supervised by FDIC

Est. 1927FDIC #29,012RSSD: FDIC-29012
Part ofHERITAGE FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: January 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.15%

Institution Profile

FDIC BankFind

Address

201 5th Ave Sw, OLYMPIA, WA

County

Thurston County

Established

January 1, 1927

Total Assets

$8.5B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2024

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jan 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$8.5B

Total Deposits

$7.3B

Net Loans

$5.7B

Net Income

$22M

ROA

1.15%

ROE

8.66%

Risk-Based Capital

13.24%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

50

Branch Deposits

$5.8B

1-Year Change

0

5-year net change: -14 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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