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Liam Joseph Coohill

Research Analyst at Raymond James Financial Inc.

Liam Joseph Coohill is an Equity Research Analyst at Raymond James & Associates, Inc., specializing in financial services sector research with a focus on regional banking institutions. He has actively covered companies including Heritage Financial, Eastern Bankshares, First Hawaiian, and other community and regional banks, participating in earnings calls and providing analysis on key metrics such as loan growth, deposit costs, credit quality, and net interest margins. Coohill joined Raymond James in May 2021 as a Senior Equity Research Associate and has been covering the banking sector throughout his tenure at the firm. He holds a Bachelor's degree in Finance from New York University's Stern School of Business (graduated 2021) and previously interned in Private Wealth Management at Merrill Lynch, and he is registered with FINRA as a broker associated with Raymond James & Associates.

Liam Joseph Coohill's questions to HERITAGE FINANCIAL CORP /WA/ (HFWA) leadership

Question · Q3 2025

Liam Joseph Coohill inquired about deposit gathering strategies amidst market competition, the progress of the Olympic Bank Corp acquisition, and the current state of asset quality and credit migration trends.

Answer

Bryan McDonald, President and Chief Executive Officer, stated that Heritage Financial continues to focus on operating relationships, acknowledging strong pricing competition for deposits. He confirmed that the Olympic Bank Corp acquisition is progressing as planned, on track for an early Q1 closing. Tony Chalfant, Chief Credit Officer, noted that economic volatility has had a spotty, not systemic, impact on the portfolio, with no material loss potential expected from current non-performing loans.

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