HERITAGE BANK

TOPEKA, KS | Small | Est. April 14, 2003, midnight | FDIC #57548 | RSSD #3120897 | FED
Latest Report: 2025-12-31

HERITAGE BANK is asn small FDIC-insured commercial bank headquartered in TOPEKA, KS, established in April 14, 2003, midnight. As of 2025-12-31, the bank reported total assets of $311M and total deposits of $235M. Profitability stands at 1.05% ROA and 9.28% ROE, with a net interest margin of 4.79%. The bank's CET1 capital ratio is 11.20%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 0.11%. FDIC Certificate #57548.

Assets

$311M

Deposits

$235M

Loans

$235M

Equity

$34M

Profitability

Return on Assets (ROA) 1.05%
Return on Equity (ROE) 9.28%
Net Interest Margin (NIM) 4.79%
Yield on Assets 7.05%
Cost of Funds 2.49%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.11%
NPA Ratio 0.01%
ACL / Loans 1.28%

Capital & Liquidity

CET1 Ratio 11.20%
Tier 1 Capital 11.20%
Total Capital Ratio 12.38%
Leverage Ratio 9.78%
Loan-to-Deposit 99.89%

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