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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Wood River, NE · FDIC certificate #17145
HERITAGE BANK is an FDIC-insured institution based in Wood River, NE (FDIC certificate #17145). In its Q3 2026 Call Report it reported total assets of $605M, total deposits of $397M and net loans of $300M. Its primary federal regulator is FDIC.
Plain-language readout
HERITAGE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $613M in Q1 2026 and were lowest at $605M in Q3 2026.
Total deposits were highest at $422M in Q1 2026 and lowest at $397M in Q3 2026.
Over the whole period total assets fell 1.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $605M | $397M | $300M | 2.56% | 11.31% | 4.45% |
| Q2 2026 | $612M | $421M | $296M | 2.58% | 11.56% | 4.39% |
| Q1 2026 | $613M | $422M | $271M | 2.49% | 11.25% | 4.27% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $62.6M | $69.3M | -$6.6M | -9.6% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $239.6M | $260.0M | -$20.4M | -7.8% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $296.4M | $271.1M | +$25.3M | +9.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $4.0M | $4.1M | -$85K | -2.1% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $8.9M | $8.0M | +$908K | +11.3% |
| Total assets | $611.6M | $612.5M | -$888K | -0.1% |
| Liabilities | ||||
| Total deposits | $420.5M | $421.6M | -$1.1M | -0.3% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $51.8M | $54.9M | -$3.1M | -5.6% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $551K | $1.5M | -$932K | -62.8% |
| Total liabilities | $472.9M | $478.0M | -$5.1M | -1.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $180K | $180K | $0K | 0.0% |
| Surplus | $81.5M | $81.5M | $0K | 0.0% |
| Retained earnings | $59.0M | $55.0M | +$4.1M | +7.4% |
| Accumulated other comprehensive income | -$2.0M | -$2.1M | +$144K | +6.8% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $138.7M | $134.5M | +$4.2M | +3.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $3.5M | $3.8M | -$252K | -6.6% |
| Adjusted nonperforming assets | $3.5M | $3.8M | -$252K | -6.6% |
| Tangible equity plus allowance | $141.6M | $137.3M | +$4.3M | +3.2% |
| Texas ratio (gross) | 2.50% | 2.76% | -0.26 pts | See points |
| Texas ratio (adjusted) | 2.50% | 2.76% | -0.26 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.50% | 2.76% | -0.26 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 23.01% | 22.55% | +0.46 pts | See points |
| Construction and land loans to total capital | 12.73% | 8.64% | +4.08 pts | See points |
| Commercial real estate to total capital | 30.36% | 26.67% | +3.68 pts | See points |
| Dividend payout, year to date | 25.56% | 53.19% | -27.63 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -1.27% | -0.80% | -0.47 pts | See points |
| Liquidity | ||||
| Core deposits | $401.9M | $405.3M | -$3.3M | -0.8% |
| Non-core funding | $70.4M | $71.2M | -$833K | -1.2% |
| Loans to core deposits | 74.46% | 67.57% | +6.89 pts | See points |
| Loans to deposits | 71.17% | 64.95% | +6.21 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 59.84% | 54.68% | +5.16 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $70.4M | $71.2M | -$833K | -1.2% |
| Earnings | ||||
| Earnings before provision, year to date | $10.0M | $4.9M | +$5.1M | +103.7% |
| Earnings before provision, single quarter | $5.1M | $4.9M | +$182K | +3.7% |
| Provision for credit losses, year to date | $240K | $120K | +$120K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.85% | 6.72% | +0.13 pts | See points |
| Yield on interest-bearing balances due from banks | 3.95% | 2.03% | +1.92 pts | See points |
| Total interest income to average assets | 5.23% | 4.97% | +0.26 pts | See points |
| Cost of interest-bearing transaction accounts | 0.21% | 0.21% | -0.01 pts | See points |
| Cost of savings and money market deposits | 0.86% | 0.83% | +0.03 pts | See points |
| Cost of time deposits | 3.33% | 3.23% | +0.10 pts | See points |
| Total interest expense to average assets | 0.87% | 0.85% | +0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $605M | $397M | $300M | 2.56% | 11.31% | 4.45% |
| 2026-06-30 | $612M | $421M | $296M | 2.58% | 11.56% | 4.39% |
| 2026-03-31 | $613M | $422M | $271M | 2.49% | 11.25% | 4.27% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| NE | $413.6M | 0.45% | 45 | Continuing · -0.02 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.