FORWARD LOOKING STATEMENTS Non-GAAP Financial Information 2 Heritage Branch OVERVIEW Eugene-Springfield, OR Boise–Nampa, Idaho Allocate capital to organically grow our core banking business Improve operational efficiencies and rationalize branch network Closed/Consolidated 36 branches since the beginning of 2010, including 12 branches in 2021 and one branch in 2023. 5 Objective: Invest in technologies that enable Community Banking @ Scale TECHNOLOGY INNOVATION Build Commercial Loans 360 (CL360) • Streamline ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to __________ Commission File Number 000-29480 HERITAGE FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washingt ...

Heritage Financial Corporation (NASDAQ:HFWA) Q2 2023 Earnings Conference Call July 20, 2023 1:00 PM ET Company Participants Jeffrey Deuel - CEO Donald Hinson - CFO Bryan McDonald - President and COO Anthony Chalfant - Chief Credit Officer Conference Call Participants David Feaster - Raymond James Matthew Clark - Piper Sandler Jeffrey Rulis - D.A. Davidson Andrew Terrell - Stephens Inc. Kelly Motta - Keefe, Bruyette, & Woods, Inc. Timothy Coffey - Janney Montgomery Scott LLC Operator Hello, and welcome to ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to __________ Commission File Number 000-29480 Common stock, no par value HFWA NASDAQ | Large accelerated filer | ☒ | Accelerated filer | ☐ ...

Heritage Financial Corporation (NASDAQ:HFWA) Q1 2023 Earnings Conference Call April 20, 2023 1:00 PM ET Company Participants Jeffrey Deuel - CEO Donald Hinson - CFO Bryan McDonald - President and COO Anthony Chalfant - Chief Credit Officer Conference Call Participants Jeff Rulis - D.A. Davidson Andrew Terrell - Stephens Adam Butler - Piper Sandler David Feaster - Raymond James Operator Hello everyone. Thank you for attending today's Heritage Financial Corporation Q1 2023 Earnings Call. My name is Sierra, an ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to __________ Commission File Number 000-29480 HERITAGE FINANCIAL CORPORATION (Exact name of registrant as specified in its charter) Washington 9 ...

Heritage Financial Corporation (NASDAQ:HFWA) Q4 2022 Earnings Conference Call January 26, 2023 1:00 PM ET Company Participants Jeffrey Deuel - Chief Executive Officer Donald Hinson - Executive Vice President and Chief Financial Officer Bryan McDonald - President and Chief Operating Officer Conference Call Participants Matthew Clark - Piper Sandler & Co. Eric Spector - Raymond James & Associates, Inc. Jeffrey Rulis - D.A. Davidson & Co. Andrew Terrell - Stephens Inc. Kelly Motta - Keefe, Bruyette, & Woods, I ...

Heritage Financial Corporation (NASDAQ:HFWA) Q3 2022 Earnings Conference Call October 20, 2022 1:00 PM ET Company Participants Jeff Deuel - CEO Donald Hinson - CFO Tony Chalfant - Chief Credit Officer Bryan McDonald - President and COO Conference Call Participants Eric Spector - Raymond James Jeff Rulis - DA Davidson Eleanor Hagan - KBW Operator Good morning. Thank you for attending today's Heritage Financial Corporation Q3 2022 Earnings Call. My name is Bethany, I will be the moderator for today's call. [O ...

Heritage Financial Corporation (NASDAQ:HFWA) Q2 2022 Earnings Conference Call July 21, 2022 2:00 PM ET Company Participants Jeff Deuel - Chief Executive Officer Donald Hinson - Executive Vice President and Chief Financial Officer Tony Chalfant - Executive Vice President and Chief Credit Officer Bryan McDonald - President and Chief Operating Officer Conference Call Participants Adam Butler - Piper Sandler & Co. Kelly Motta - Keefe, Bruyette & Woods, Inc. Operator Good afternoon. Thank you for attending today ...

Heritage Financial CORPORATION INVESTOR PRESENTATION Q2 2022 FORWARD LOOKING STATEMENTS Factors that could cause the Company's actual results to differ materially from those described in the forward-looking statements, include, but are not limited to, the following: • the U.S. and global economies, and consumer and corporate customers, including economic activity, market liquidity, employment levels and labor shortages, including the effects of inflation, a potential recession or slowed economic growth caus ...