Heritage Financial Corporation is a bank holding company with Heritage Bank, a full-service commercial bank, as its sole wholly owned banking subsidiary. The Company has a branching network in Washington, Oregon, and Idaho. The Company also does business under the Whidbey Island Bank name on Whidbey Island and the Kitsap Bank name. The Company's business consists primarily of commercial lending and deposit relationships with small- to medium-sized businesses and their owners in its market areas, as well as deposits from the general public. The Company also makes real estate construction and land development loans, consumer loans and residential real estate loans on single family properties located primarily in its markets. It offers a full range of products and services to customers for personal and business banking needs designed for both short-term and long-term deposits. The Company also offers investment advice through a wealth management department.