Heritage Bank (Topeka, KS)
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Data as of · sourced from FFIEC call reports. How we update
Heritage Bank is an FDIC-insured commercial bank headquartered in Topeka, KS, established in 2003 (FDIC certificate 57548), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $324.9M, the 65th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 12.99% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 57548
- Headquarters
- Topeka, KS
- Established
- 2003
- Total assets, Q2 2026
- $324.9M
- CET1 ratio, Q2 2026
- 12.99%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 101115001
- Latest call report
- Q2 2026, FFIEC 041 · Heritage Bank call report
- Holding company
- HERITAGE BANCSHARES, INC.
- Asset rank in state
- 65th of 182 in Kansas
Problem loans are rising at Heritage Bank. Based in Topeka, Kansas, it had $325 million in assets at June 30, 2026, against $157 million a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.28% of loans from 0.00% a year earlier. It grew its loan book 70.7% over the year, 12.9 times the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 50 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $1.4 million, 119% above the same quarter a year earlier. Delinquency has appeared in its $37 million non-owner-occupied commercial real estate book: 5.06% of those loans are past due or on nonaccrual, against almost none a year earlier. Funding is the softer spot: it pays an average of 2.34% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Heritage Bank reported a CET1 capital ratio of 12.99%, a return on assets of 1.73%, a nonperforming-loan ratio of 1.28% and a Texas ratio of 8.98%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, Heritage Bank is the 65th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 3.2% to $324.9M, loans rose 1.2% and deposits rose 13.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 30.6% of total loans, ahead of commercial and industrial loans at 16.6%. Its 3 offices in the FDIC Summary of Deposits are in Topeka, KS. By the capital ratios in its Q2 2026 call report, Heritage Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3024 Sw Wanamaker Rd, Topeka, KS 66614
- County
- Shawnee
- Metro Area
- Topeka, KS
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- April 14, 2003
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 47
- Domestic deposits
- $278.6M
- Allowance for credit losses
- $3.2M
- Net charge-offs (YTD)
- -$3K
- Average total assets
- $315.8M
- Average total loans
- $234.8M
- Average interest-bearing deposits
- $196.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 14, 2003
- FDIC Cert
- 57548
- Fed RSSD
- 3120897
- Website
- www.heritagebankonline.com →
- Parent Holding Company
- HERITAGE BANCSHARES, INC. (RSSD 3120310)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Heritage Bank's total assets moved between a low of $106.8M (Q3 2023) and a high of $335.8M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$324.9M total assets against $157.3M; $288.8M total liabilities against $143.0M.
$234.7M net loans and leases against $137.7M; $278.6M total deposits against $130.9M.
$45.6M securities against $4.2M; $33.2M cash and balances due against $12.7M.
$5.0M total interest income against $2.7M; $1.6M total interest expense against $1.2M.
$3.4M net interest income against $1.5M.
$107K total noninterest income against $45K; $2.0M total noninterest expense against $820K.
$119K provision for credit losses against $94K.
$1.4M net income against $624K.
1.73% return on assets against 1.68%; 4.55% net interest margin against 4.23%.
12.99% CET1 capital ratio against 10.43%; 9.94% tier 1 leverage ratio against 9.63%.
Inside the full Heritage Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeHeritage Bank rankings
Its closest position to the top of a national ranking is 723 of 3,640, for Texas Ratio; its furthest is 1,404 of 2,134, for CET1 ratio.
Banks merged into Heritage Bank
- Fidelity State Bank and Trust Company, effective August 16, 2025
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.56% (Q4 2024) to 1.90% (Q1 2026) and its net interest margin ran from 3.76% (Q3 2024) to 4.82% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.99% | 1.73% | 1.28% | 8.98% | 4.55% |
| Q1 2026 | 11.19% | 1.90% | 0.48% | 3.42% | 4.54% |
| Q4 2025 | 11.20% | 1.06% | 0.04% | 0.33% | 4.70% |
| Q3 2025 | 11.87% | 0.92% | 1.30% | 9.41% | 4.82% |
| Q2 2025 | 10.43% | 1.68% | 0.00% | 0.00% | 4.23% |
| Q1 2025 | 10.76% | 1.45% | 0.00% | 0.00% | 3.97% |
| Q4 2024 | 10.86% | 0.56% | 0.00% | 0.00% | 3.90% |
| Q3 2024 | 11.70% | 1.37% | 0.00% | 0.00% | 3.76% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Heritage Bank (main office) | Topeka , KS | 66614 | $189.7M |
| Kansas Branch | Topeka , KS | 66603 | $88.5M |
| Westridge Branch | Topeka , KS | 66604 | $470K |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 16, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 16, 2025 | Structure Change | Acquired Fidelity State Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in KS, rank 85 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $1.9M approved, $940K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Heritage Bank
What are Heritage Bank's total assets?
As of the Q2 2026 filing, Heritage Bank reported total assets of $324.9 million in its FFIEC call report.
Where is Heritage Bank headquartered?
It is headquartered in Topeka, KS, United States.
When was Heritage Bank founded?
It was established in 2003, per the FDIC institution directory.
Is Heritage Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57548). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Heritage Bank?
Heritage Bank's primary federal regulator is the Federal Reserve.
What is Heritage Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.99% in its Q2 2026 call report, above regulatory requirements.
How many branches does Heritage Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Heritage Bank's Texas Ratio?
Its Texas Ratio is 8.98% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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