Heritage Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 10.64 percentage points lower than in Q1 2026, at 85.40%. Heritage Bank ranks 56th of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 85.40% (Q2 2026). Heritage Bank reported 85.40% on loan-to-deposit ratio for Q2 2026, 4.85 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $238.0M |
| Net loans and leases | $234.7M |
| Loans held for sale | $0 |
| Loans to total assets | 73.24% |
| Loan-to-deposit ratio | 85.40% |
| Net loans to equity capital | 6.50% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.76% |
| Multifamily (5+ residential) | 4.03% |
| Commercial and industrial | 16.51% |
| Consumer | 7.93% |
| Credit cards | 0.00% |
| Farm | 1.65% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 186.65% |
| Construction concentration (Tier 1 capital + allowance) | 49.53% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.46% |
| Interest income on loans | $4.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $90.5M | $87.0M | 36.01% | 16.29% | 1.69% |
| Q4 2023 | $91.3M | $88.1M | 32.28% | 16.99% | 1.66% |
| Q1 2024 | $97.9M | $101.3M | 31.03% | 15.88% | 1.90% |
| Q2 2024 | $107.8M | $103.9M | 30.84% | 16.24% | 2.14% |
| Q3 2024 | $113.5M | $114.9M | 28.98% | 16.11% | 2.08% |
| Q4 2024 | $124.1M | $119.8M | 30.64% | 16.65% | 1.88% |
| Q1 2025 | $130.9M | $128.1M | 29.92% | 15.73% | 1.79% |
| Q2 2025 | $139.4M | $130.9M | 33.45% | 14.36% | 1.73% |
| Q3 2025 | $219.8M | $234.0M | 30.39% | 16.41% | 9.99% |
| Q4 2025 | $234.9M | $235.1M | 32.13% | 16.35% | 9.16% |
| Q1 2026 | $235.2M | $244.9M | 32.27% | 16.16% | 8.52% |
| Q2 2026 | $238.0M | $278.6M | 31.76% | 16.51% | 7.93% |
Heritage Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Heritage Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Heritage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57548) · FFIEC NIC profile (RSSD 3120897)