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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
Deterministic ratios for HERITAGE BANK from its Q3 2026 Call Report. Detailed loan and deposit composition follows below.
| Total deposits | $343M |
|---|---|
| Net loans and leases | $629M |
Plain-language readout
HERITAGE BANK in Cedar Rapids, IA funds its loans with $343M of deposits and holds $629M of net loans, as reported for Q3 2026. The ratios below show how that funding, capital and credit quality compare with the amounts on the balance sheet.
No capital, liquidity or asset-quality ratios are reported for HERITAGE BANK in Q3 2026; none is estimated.
The loan-to-deposit ratio computed from net loans and total deposits was 183.63% in Q3 2026, against 59.20% in Q1 2026. A rising ratio means the bank is lending a larger share of its deposits.
| Quarter | Net loans | Deposits | Loan-to-deposit |
|---|---|---|---|
| Q3 2026 | $629M | $343M | 183.63% |
| Q2 2026 | $257M | $56M | 457.08% |
| Q1 2026 | $19M | $33M | 59.20% |