Heritage Bank
Topeka, KS · Cert 57548 · Peer group: banks under $1B in assets (n=573-620) · Heritage Bancshares Inc.
State charter, Fed member · FED · 3 branches
Q2 2026
$324.9MAssets
$238.0MLoans
$278.6MDeposits
$36.1MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 86% of banks under $1B in assets (rank 89 of 620).
- Widest gap: nonperforming loans / loans trails 75% of banks under $1B in assets (rank 431 of 573).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.44%
Rank 158 of 620
Net Interest Margin
4.33%
Rank 89 of 620
Efficiency Ratio
53.63%
Rank 103 of 620
Equity / Assets
11.12%
Rank 271 of 620
Non-interest income vs. expense
Unfavorable gap of $7.0M · efficiency ratio beats 84% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.44% | 0.60% | 1.00% | 1.45% | Beats 75% | 158 / 620 | | |
| Return on Equity | 12.92% | 5.30% | 9.30% | 13.29% | Beats 73% | 169 / 620 | | |
| Net Interest Margin | 4.33% | 3.02% | 3.53% | 4.04% | Beats 86% | 89 / 620 | | |
| Efficiency Ratio | 53.63% | 58.35% | 68.08% | 79.37% | Beats 84% | 103 / 620 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.28% | 0.09% | 0.47% | 1.27% | Beats 25% | 431 / 573 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 58% | 243 / 573 | | |
| Capital |
| Tier 1 Capital Ratio | 12.99% | 11.27% | 13.87% | 18.78% | Beats 44% | 349 / 620 | | |
| Total Risk-Based Capital Ratio | 14.24% | 11.69% | 14.57% | 19.67% | Beats 48% | 323 / 620 | | |
| Equity / Assets | 11.12% | 9.03% | 10.60% | 13.73% | Beats 56% | 271 / 620 | | |
| Liquidity & Funding |
| Loans / Deposits | 85.40% | 65.08% | 79.69% | 92.47% | 60th pctl | 236 / 585 | | |
| Loans / Assets | 73.24% | 51.85% | 67.17% | 77.86% | 63rd pctl | 230 / 620 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |