Topeka, KS · Cert 57548 · Heritage Bancshares Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
49
Asset Quality
42
Profitability
77
Liquidity
79
Efficiency
83
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Topeka, KS · Cert 57548 · Heritage Bancshares Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
Market Position · Topeka, KS · 2026 SOD (annual) · 3.9% share · #8 of 30 inst. · $0.3B of $7.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.09% | 0.94% | 1.17% | 1.27% | 0.98% | 0.96% | 1.49% | 1.44% | +17 bps | |
| Return on Equity | 10.97% | 9.57% | 12.72% | 13.80% | 9.63% | 9.22% | 13.87% | 13.28% | -52 bps | |
| Net Interest Margin | 3.60% | 3.59% | 3.84% | 3.89% | 3.50% | 2.97% | 4.39% | 4.33% | +43 bps | |
| Efficiency Ratio | 57.13% | 59.48% | 54.46% | 53.16% | 54.13% | 55.32% | 51.46% | 50.63% | -253 bps | |
| Non-Interest Burden | 2.00% | 2.08% | 2.04% | 2.02% | 1.79% | 1.57% | 2.15% | 2.22% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 26.03% | 24.95% | 24.23% | 22.29% | 115.89% | 118.65% | 124.57% | 106.51% | +8,422 bps | |
| Loan Growth (YoY) | 25.45% | 36.00% | 33.75% | 29.33% | 93.66% | 89.19% | 79.64% | 70.66% | +4,133 bps | |
| Deposit Growth (YoY) | 32.03% | 36.01% | 26.45% | 25.99% | 103.75% | 96.27% | 91.14% | 112.81% | +8,683 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 1.30% | 0.04% | 0.48% | 1.28% | +128 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | -0.04% | -0.02% | -0.01% | -0.01% | -0.02% | 0.00% | +2 bps | |
| Allowance / Loans | 1.19% | 1.25% | 1.27% | 1.26% | 1.07% | 1.28% | 1.33% | 1.36% | +9 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 0.8x | 29.2x | 2.8x | 1.1x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.01% | 9.88% | 9.69% | 9.63% | 13.84% | 9.78% | 9.93% | 9.94% | +31 bps | |
| Total Risk-Based Capital | 12.91% | 12.11% | 12.01% | 11.68% | 12.87% | 12.38% | 12.37% | 14.24% | +256 bps | |
| Equity / Assets | 9.74% | 9.28% | 9.18% | 9.11% | 11.60% | 10.97% | 10.47% | 11.12% | +201 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 98.80% | 103.63% | 102.19% | 106.50% | 93.91% | 99.89% | 96.05% | 85.40% | -2,110 bps | |
| Liquid Assets / Assets | 2.84% | 1.76% | 1.74% | 1.51% | 2.94% | 2.63% | 8.76% | 9.54% | +802 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 326% | 358% | 343% | n/a | n/a | |
Topeka, KS · Cert 57548 · Peer group: banks under $1B in assets (n=581-629) · Heritage Bancshares Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
Return on Assets
1.44%
Rank 162 of 629
Net Interest Margin
4.33%
Rank 96 of 629
Efficiency Ratio
53.63%
Rank 107 of 629
Equity / Assets
11.12%
Rank 282 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.44% | 0.60% | 1.01% | 1.45% | Beats 74% | 162 / 629 | ||
| Return on Equity | 12.92% | 5.38% | 9.30% | 13.28% | Beats 73% | 171 / 629 | ||
| Net Interest Margin | 4.33% | 3.03% | 3.54% | 4.05% | Beats 85% | 96 / 629 | ||
| Efficiency Ratio | 53.63% | 58.35% | 67.79% | 79.08% | Beats 83% | 107 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.28% | 0.09% | 0.46% | 1.20% | Beats 24% | 444 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 59% | 242 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.99% | 11.24% | 13.84% | 18.77% | Beats 44% | 352 / 629 | ||
| Total Risk-Based Capital Ratio | 14.24% | 11.58% | 14.43% | 19.66% | Beats 48% | 327 / 629 | ||
| Equity / Assets | 11.12% | 9.09% | 10.65% | 13.80% | Beats 55% | 282 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 85.40% | 67.24% | 80.90% | 93.48% | 58th pctl | 247 / 594 | ||
| Loans / Assets | 73.24% | 53.31% | 67.71% | 78.15% | 62nd pctl | 242 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||