Heritage Bank (Wood River, NE)
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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 Wood River, NE, established in 1884 (FDIC certificate 17145), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $611.6M, up 3.8% from Q2 2025, the 31st largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 23.01% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 17145
- Headquarters
- Wood River, NE
- Established
- 1884
- Total assets, Q2 2026
- $611.6M
- Assets vs Q2 2025
- +3.8%
- Tier 1 leverage ratio, Q2 2026
- 23.01%
- Domestic offices
- 20 FDIC institution directory, current count
- Routing number
- 104908383
- Latest call report
- Q2 2026, FFIEC 051 · Heritage Bank call report
- Holding company
- HERITAGE GROUP, INC.
- Asset rank in state
- 31st of 138 in Nebraska
Problem loans are rising at Heritage Bank. Based in Wood River, Nebraska, it had $612 million in assets at June 30, 2026, up 3.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.18% of loans from 0.00% a year earlier. It earns about $2.66 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 33 cents to bring in each dollar of revenue, about half the median of 61 cents for banks its size.
Loans are outrunning deposits: over the year loans rose 26.5% and deposits rose 1.7%. Paper losses on its bond portfolio are shrinking: unrealized losses of $1.8 million equal 1% of Tier 1 capital, down from 17% a year earlier.
As of June 30, 2026, Heritage Bank reported a return on assets of 2.66%, a nonperforming-loan ratio of 1.18% and a Texas ratio of 2.50%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Heritage Bank is the 31st largest of the 138 banks headquartered in Nebraska. From Q1 2026 to Q2 2026, its total assets fell 0.1% to $611.6M, loans rose 9.3% and deposits fell 0.3%. Farmland and other real estate loans made up 25.1% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 22.8%. Its 20 offices in the FDIC Summary of Deposits are in 13 cities in NE; its Hastings 2 offices book 35% of its branch deposits. By the capital ratios in its Q2 2026 call report, Heritage Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 110 E 9th St, Wood River, NE 68883
- County
- Hall
- Metro Area
- Grand Island, NE
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1884
- Domestic offices
- 20 FDIC institution directory, current count
- Employees (FTE)
- 73
- Domestic deposits
- $420.5M
- Allowance for credit losses
- $2.9M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $611.5M
- Average total loans
- $286.8M
- Average interest-bearing deposits
- $339.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 24, 1952
- FDIC Cert
- 17145
- Fed RSSD
- 666554
- Website
- www.bankonheritage.com →
- Parent Holding Company
- HERITAGE GROUP, INC. (RSSD 1055089)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Heritage Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Heritage Bank's total assets moved between a low of $567.6M (Q3 2023) and a high of $612.5M (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
$611.6M total assets against $589.4M; $472.9M total liabilities against $463.7M.
$296.4M net loans and leases against $234.2M; $420.5M total deposits against $413.6M.
$239.6M securities against $326.0M; $62.6M cash and balances due against $15.7M.
$8.0M total interest income against $8.0M; $1.3M total interest expense against $1.4M.
$6.7M net interest income against $6.6M.
$981K total noninterest income against $974K; $2.6M total noninterest expense against $2.4M.
$120K provision for credit losses against $120K.
$4.1M net income against $3.9M.
2.66% return on assets against 2.63%; 4.44% net interest margin against 4.49%.
23.01% tier 1 leverage ratio against 21.52%.
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 76 of 3,606, for efficiency ratio; its furthest is 2,038 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.81% (Q3 2024) to 2.94% (Q4 2024) and its net interest margin ran from 3.96% (Q3 2024) to 4.49% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 23.01% | 2.66% | 1.18% | 2.50% | 4.44% |
| Q1 2026 | 22.55% | 2.48% | 1.39% | 2.76% | 4.21% |
| Q4 2025 | 22.79% | 2.71% | 0.15% | 0.30% | 4.43% |
| Q3 2025 | 22.58% | 2.49% | 0.10% | 0.19% | 4.12% |
| Q2 2025 | 21.52% | 2.63% | 0.00% | 0.01% | 4.49% |
| Q1 2025 | 20.68% | 2.41% | 1.01% | 1.84% | 4.10% |
| Q4 2024 | 20.41% | 2.94% | 0.10% | 0.19% | 4.04% |
| Q3 2024 | 20.17% | 1.81% | 0.20% | 0.36% | 3.96% |
Swipe the table sideways to see every column.
Branch Network
View all 20 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 |
|---|---|---|---|
| Hastings Main Branch | Hastings , NE | 68901 | $148.0M |
| Heritage Bank (main office) | Aurora , NE | 68818 | $58.5M |
| Sherman County Bank Branch | Loup City , NE | 68853 | $40.1M |
| Heritage Bank (main office) | Wood River , NE | 68883 | $38.6M |
| Grand Island Branch | Grand Island , NE | 68803 | $30.6M |
| Peoples-Webster County Bank Branch | Red Cloud , NE | 68970 | $26.9M |
| Neligh Branch | Neligh , NE | 68756 | $21.5M |
| St. Paul Branch | St. Paul , NE | 68873 | $16.5M |
| Stromsburg Bank Branch | Stromsburg , NE | 68666 | $13.7M |
| Norfolk Branch | Norfolk , NE | 68701 | $8.5M |
| Peoples-Webster County Bank | Orleans , NE | 68966 | $7.9M |
| Heritage Bank Second Avenue | Kearney , NE | 68845 | $6.6M |
| Broken Bow Branch | Broken Bow , NE | 68822 | $3.2M |
| Www.Bankonheritage.Com | Aurora , NE | 68818 | $0 |
| Wood River Branch | Wood River , NE | 68883 | $0 |
| Heritage Bank Mobile Unit Branch | Grand Island , NE | 68803 | $0 |
| Heritage Bank - Norfolk Branch | Norfolk , NE | 68701 | $0 |
| Aurora-Drive-In Branch | Aurora , NE | 68818 | $0 |
| Heritage Bank Mobile Unit | Hastings , NE | 68901 | $0 |
| Heritage Bank Mobile Unit | Kearney , NE | 68845 | $0 |
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 |
|---|---|---|---|
| November 30, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 30, 2013 | Structure Change | Acquired Peoples-Webster County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 14, 2009 | Structure Change | Acquired Sherman County Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 13, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| May 31, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 31, 2003 | Structure Change | Acquired City National Bank and Trust Company, Hastings, Nebraska Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 19, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 19, 2002 | Structure Change | Acquired Heritage Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 29, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 29, 2000 | Structure Change | Acquired First National Bank & Trust Company in Aurora 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 10 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in NE, rank 45 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 112 applications, 93 loans originated, $16.8M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $269K approved, $134K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 $611.6 million in its FFIEC call report.
Where is Heritage Bank headquartered?
It is headquartered in Wood River, NE, United States.
When was Heritage Bank founded?
It was established in 1884, per the FDIC institution directory.
Is Heritage Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #17145). 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 FDIC.
How many branches does Heritage Bank operate?
It operates 20 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 2.50% 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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