Heritage Financial NASDAQ: HFWA reported third-quarter operating trends marked by loan and deposit growth, expanding net interest margin and the completion of its Kitsap Bank systems conversion, while also disclosing higher non-accrual loans tied primarily to commercial and industrial relationships.President and CEO Bryan McDonald said the Kitsap Bank conversion was completed in late September as planned. “The results were excellent,” McDonald said, adding that the company is now largely past the costs of m ...