Heritage Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 174.19 percentage points in Q2 2026, from 280.07% to 105.88%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Heritage Bank is 46th of 182 on return on assets, 1.73% as of Q2 2026. Heritage Bank reported 1.73% on return on assets for Q2 2026, 0.47 points above the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.99% |
| Tier 1 risk-based capital ratio | 12.99% |
| Total risk-based capital ratio | 14.24% |
| Tier 1 leverage ratio | 9.94% |
| Equity capital to assets | 11.12% |
| Tangible equity to tangible assets | 9.61% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.28% |
| Non-performing assets ratio | 0.94% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 8.98% |
| Allowance for credit losses to loans | 1.36% |
| Reserve coverage of non-performing loans | 105.88% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.73% |
| Return on equity | 15.32% |
| Net interest margin | 4.55% |
| Efficiency ratio | 49.83% |
| Yield on earning assets | 6.71% |
| Cost of funds | 2.34% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.40% |
| Core deposits to total deposits | 95.50% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.75% |
| Securities to assets | 14.03% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.28% | 12.28% | 13.33% | 11.48% | 1.74% |
| Q4 2023 | 12.38% | 12.38% | 13.51% | 11.41% | 1.35% |
| Q1 2024 | 12.07% | 12.07% | 13.25% | 11.10% | 1.48% |
| Q2 2024 | 11.40% | 11.40% | 12.54% | 10.65% | 1.49% |
| Q3 2024 | 11.70% | 11.70% | 12.91% | 10.01% | 1.37% |
| Q4 2024 | 10.86% | 10.86% | 12.11% | 9.88% | 0.56% |
| Q1 2025 | 10.76% | 10.76% | 12.01% | 9.69% | 1.45% |
| Q2 2025 | 10.43% | 10.43% | 11.68% | 9.63% | 1.68% |
| Q3 2025 | 11.87% | 11.87% | 12.87% | 13.84% | 0.92% |
| Q4 2025 | 11.20% | 11.20% | 12.38% | 9.78% | 1.06% |
| Q1 2026 | 11.19% | 11.19% | 12.37% | 9.93% | 1.90% |
| Q2 2026 | 12.99% | 12.99% | 14.24% | 9.94% | 1.73% |
Heritage Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Heritage Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)