Heritage Bank
Heritage completed a merger involving an acquired institution in August 2025. Operating from Topeka, KS, Heritage Bank serves its local market as an FDIC-insured commercial bank. On its most recent Q1 2026 call report, Heritage reported $336M in total assets against $245M in deposits. Returns are notably above industry norms: 1.90% ROA, 16.75% ROE, and 4.54% NIM. Regulatory capital is solid — 11.19% CET1 and 12.37% total risk-based capital ratio. Credit metrics are pristine, with nonperforming loans at just 0.01%. It operates 3 branches, primarily in Kansas.
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
- FED
- Fed District
- 11
- Established
- April 14, 2003
- Branches
- 3 domestic
- Employees (FTE)
- 47
- FDIC Cert
- 57548
- Fed RSSD
- 3120897
- Website
- www.heritagebankonline.com →
- Parent Holding Company
- HERITAGE BANCSHARES, INC. (RSSD 3120310)
Capital & Liquidity
Inside the full Heritage Bank terminal
8 tabs · 24-year trend charts · peer percentiles · Excel export
Unlock Heritage Bank — freeThis is just Heritage Bank's summary.
See the full 24-year trend, peer benchmarking, and risk analysis for this bank — plus every one of the 4,335 currently filing institutions, with CAMELS analytics and exportable tearsheets.
Free account · no credit card required
Heritage Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Similar banks
Compare Heritage Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet — pick a peer to view the full head-to-head.
Frequently asked about Heritage Bank
What are Heritage Bank's total assets?
As of the Q1 2026 filing, Heritage Bank reported total assets of $335.8 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Heritage Bank headquartered?
Heritage Bank is headquartered in TOPEKA, KS, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Heritage Bank founded?
Heritage Bank was established in 2003, per the FDIC institution directory.
Is Heritage Bank FDIC-insured?
Yes. Heritage Bank 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 FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Heritage Bank's CET1 capital ratio?
Heritage Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.19% in its most recent quarterly filing — above regulatory minimums.
How many branches does Heritage Bank operate?
Heritage Bank operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Heritage Bank's Texas Ratio?
Heritage Bank's Texas Ratio is 3.42% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
Go deeper on Heritage Bank.
Unlock the full terminal — 24 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Start freeFree account · no credit card required