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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Cedar Rapids, IA · FDIC certificate #18463
HERITAGE BANK is an FDIC-insured institution based in Cedar Rapids, IA (FDIC certificate #18463). In its Q3 2026 Call Report it reported total assets of $835M, total deposits of $343M and net loans of $629M. Its primary federal regulator is OCC.
Reported facts
HERITAGE BANK (FDIC certificate #18463) reported the following headline financials for Q3 2026. Interactive quarterly history follows below.
| Total assets | $835M |
|---|---|
| Total deposits | $343M |
| Net loans and leases | $629M |
| Return on assets | -4.63% |
| Return on equity | -12.52% |
| Net interest margin | 4.07% |
| Quarterly asset change | 85.58% |
| Quarterly deposit change | 510.55% |
Plain-language readout
HERITAGE BANK in Cedar Rapids, IA reported total assets of $835M, total deposits of $343M and net loans of $629M in its Q3 2026 Call Report (as of 2026-09-30).
Profitability for Q3 2026: a return on assets of -4.63%, a return on equity of -12.52%, a net interest margin of 4.07%. Return on assets measures annualized net income against average assets, return on equity measures it against average equity, and net interest margin measures net interest income against average earning assets.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $835M | $343M | $629M | -4.63% | -12.52% | 4.07% |
| Q2 2026 | $450M | $56M | $257M | -2.74% | -5.59% | 1.51% |
| Q1 2026 | $38M | $33M | $19M | -0.64% | -11.39% | 2.75% |
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