HERITAGE BANK

WOOD RIVER, NE | Medium | Est. Jan. 1, 1884, midnight | FDIC #17145 | RSSD #666554 | FDIC
Latest Report: 2025-12-31

HERITAGE BANK is amn medium FDIC-insured commercial bank headquartered in WOOD RIVER, NE, established in Jan. 1, 1884, midnight. As of 2025-12-31, the bank reported total assets of $594M and total deposits of $399M. Profitability stands at 2.72% ROA and 12.23% ROE, with a net interest margin of 4.72%. The bank's CET1 capital ratio is 22.36%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #17145.

Assets

$594M

Deposits

$399M

Loans

$268M

Equity

$133M

Profitability

Return on Assets (ROA) 2.72%
Return on Equity (ROE) 12.23%
Net Interest Margin (NIM) 4.72%
Yield on Assets 5.68%
Cost of Funds 1.30%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.97%

Capital & Liquidity

CET1 Ratio 22.36%
Tier 1 Capital 22.36%
Total Capital Ratio 23.48%
Leverage Ratio 22.79%
Loan-to-Deposit 67.19%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required