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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.27% | 0.98% | 0.96% | 1.49% | 1.44% | +17 bps | |
| Return on Equity | 13.80% | 9.63% | 9.22% | 13.87% | 13.28% | -52 bps | |
| Net Interest Margin | 3.89% | 3.50% | 2.97% | 4.39% | 4.33% | +43 bps | |
| Efficiency Ratio | 53.16% | 54.13% | 55.32% | 51.46% | 50.63% | -253 bps | |
| Non-Interest Burden | 2.02% | 1.79% | 1.57% | 2.15% | 2.22% | +20 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 22.29% | 115.89% | 118.65% | 124.57% | 106.51% | +8,422 bps | |
| Loan Growth (YoY) | 29.33% | 93.66% | 89.19% | 79.64% | 70.66% | +4,133 bps | |
| Deposit Growth (YoY) | 25.99% | 103.75% | 96.27% | 91.14% | 112.81% | +8,683 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 1.30% | 0.04% | 0.48% | 1.28% | +128 bps | |
| Net Charge-Offs / Loans | -0.02% | -0.01% | -0.01% | -0.02% | 0.00% | +2 bps | |
| Allowance / Loans | 1.26% | 1.07% | 1.28% | 1.33% | 1.36% | +9 bps | |
| Allowance Coverage of NPLs | n/a | 0.8x | 29.2x | 2.8x | 1.1x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.63% | 13.84% | 9.78% | 9.93% | 9.94% | +31 bps | |
| Total Risk-Based Capital | 11.68% | 12.87% | 12.38% | 12.37% | 14.24% | +256 bps | |
| Equity / Assets | 9.11% | 11.60% | 10.97% | 10.47% | 11.12% | +201 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 106.50% | 93.91% | 99.89% | 96.05% | 85.40% | -2,110 bps | |
| Liquid Assets / Assets | 1.51% | 2.94% | 2.63% | 8.76% | 9.54% | +802 bps | |
| CRE / Total Capital | n/a | 326% | 358% | 343% | n/a | n/a | |