Heritage Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Heritage Bank of Topeka, KS against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.73% | 1.25% | +0.48% | 75th top |
| ROAE | 15.32% | 12.22% | +3.10% | 67th above |
| Net Interest Margin | 4.55% | 3.95% | +0.60% | 80th top |
| Efficiency Ratio | 49.83% | 63.71% | -13.88% | 81st top |
| PPNR / Avg Assets | 1.98% | — | — | 71st above |
| Yield on Earning Assets | 6.71% | 5.67% | +1.04% | 91st top |
| Cost of Funds | 2.34% | 1.87% | +0.47% | 19th bottom |
| Net Interest Spread | 4.03% | — | — | 84th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.28% | 0.88% | +0.40% | 22nd bottom |
| NPA / Total Assets | 0.94% | — | — | 22nd bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 38th below |
| ACL / Total Loans | 1.36% | — | — | 68th above |
| ACL / NPLs (Coverage) | 105.88% | — | — | 28th below |
| Texas Ratio | 8.98% | 5.96% | +3.02% | 20th bottom |
| Provision / NCO | 1487.50% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.99% | 17.18% | -4.19% | 28th below |
| Tier 1 Ratio | 12.99% | 17.21% | -4.22% | 28th below |
| Total Capital Ratio | 14.24% | — | — | 29th below |
| Leverage Ratio | 9.94% | 11.75% | -1.81% | 30th below |
| Equity / Assets | 11.12% | 10.98% | +0.14% | 61st above |
| TCE / Tangible Assets | 9.61% | — | — | 41st below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.40% | 80.44% | +4.96% | 40th below |
| Core Deposit Ratio | 95.50% | 86.95% | +8.55% | 87th top |
| Wholesale Funding Ratio | 2.93% | — | — | 56th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 106.51% | — | — | 100th top |
| Loan Growth (Y/Y) | 70.66% | — | — | 99th top |
| Deposit Growth (Y/Y) | 112.81% | — | — | 100th top |
See Heritage Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Heritage Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Heritage Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Heritage Bank peer analysis.