Heritage Financial HFWA Weighted-average contractual interest rates for FHLB advances

Weighted-average contractual interest rates for FHLB advances at other companies

Community Financial SystemCBU

3.4%—

GBC

Glacier BancorpGBCI

4.6%-0.1pp

Peapack-Gladstone FinancialPGC

3.9%—

Tompkins FinancialTMP

4%-0.5pp

Center BancorpCNOB

3%0.0pp

TFS FinancialTFSL

3.5%+0.1pp

Other financials

Income statement

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Revenue$77.9M+35.3%

Net income$18.9M+36.2%

EPS (diluted)$0.48+20.0%

Balance sheet

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Cash & equivalents$268.1M+7.8%

Total debt$20.0M-92.4%

Total equity$1.1B+26.6%

Total assets$8.5B+19.2%

Cash flow

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Operating cash flow$14.0M-27.4%

CapEx$1.3M+11.2%

Free cash flow$12.7M-29.9%

Valuation

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Market cap$1.21B+56.8%

Enterprise value$959.16M+22.1%

P/E16.6×+1.7×

P/S4.5×+1.1×

Profitability

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Net margin27.2%+4.5pp

FCF margin30.1%+0.4pp

Returns & leverage

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Return on equity7.3%+1.3pp

Debt / equity0×-0.3×

Where this comes from

Reported directly by Heritage Financial in its filing.

Tagged under the XBRL concept us-gaap:FederalHomeLoanBankAdvancesWeightedAverageInterestRate.

The official record: Heritage Financial’s 10-K, filed February 27, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Heritage Financial's weighted-average contractual interest rates for FHLB advances?: Heritage Financial (HFWA) reported weighted-average contractual interest rates for FHLB advances of 416% in Q4 2025.
What does weighted-average contractual interest rates for FHLB advances mean?: The average interest rate paid on all outstanding FHLB advances, weighted by the principal amount of each individual borrowing. It serves as a key indicator of the bank's cost of wholesale funding and its efficiency in managing interest expense.