Heritage Financial (HFWA) risk factors

Item 1A of every Heritage Financial Corp. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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FY2025 10-K risk factors
43 risks1 new1 dropped10 reworded
The bank added third-party vendor risks and updated disclosures regarding its recent Olympic acquisition and goodwill. Macroeconomic risk warnings expanded to include presidential-Federal Reserve disputes and immigration enforcement.
Filed Feb 27, 2026
FY2024 10-K risk factors
43 risks
Heritage Financial Corp faces heavy risks regarding interest rate fluctuations, credit concentrations in real estate collateral, and regional economic conditions in Washington, Oregon, and Idaho.
Filed Feb 27, 2025