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.
Loan-to-deposit ratio climbed 6.21 percentage points in Q2 2026, from 64.95% to 71.17%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Heritage Bank is 109th of 138 on loan-to-deposit ratio, 71.17% as of Q2 2026. Heritage Bank reported 71.17% on loan-to-deposit ratio for Q2 2026, 9.39 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $299.3M |
| Net loans and leases | $296.4M |
| Loans held for sale | $0 |
| Loans to total assets | 48.93% |
| Loan-to-deposit ratio | 71.17% |
| Net loans to equity capital | 2.14% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.90% |
| Multifamily (5+ residential) | 0.37% |
| Commercial and industrial | 12.28% |
| Consumer | 1.05% |
| Credit cards | 0.00% |
| Farm | 25.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 30.36% |
| Construction concentration (Tier 1 capital + allowance) | 12.73% |
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 | 6.85% |
| Interest income on loans | $4.9M |
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 | $163.0M | $413.3M | 9.91% | 7.99% | 2.37% |
| Q4 2023 | $181.7M | $422.0M | 13.97% | 9.05% | 2.28% |
| Q1 2024 | $182.4M | $430.7M | 14.39% | 10.22% | 1.96% |
| Q2 2024 | $187.7M | $420.0M | 13.73% | 9.05% | 1.75% |
| Q3 2024 | $206.2M | $404.4M | 12.43% | 8.80% | 1.62% |
| Q4 2024 | $223.7M | $407.8M | 11.18% | 9.58% | 1.49% |
| Q1 2025 | $225.4M | $425.6M | 11.36% | 9.35% | 1.47% |
| Q2 2025 | $236.6M | $413.6M | 12.00% | 10.14% | 1.36% |
| Q3 2025 | $251.8M | $399.0M | 12.06% | 10.28% | 1.55% |
| Q4 2025 | $268.2M | $399.2M | 13.43% | 9.05% | 1.45% |
| Q1 2026 | $273.9M | $421.6M | 17.73% | 9.78% | 1.28% |
| Q2 2026 | $299.3M | $420.5M | 15.90% | 12.28% | 1.05% |
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 17145) · FFIEC NIC profile (RSSD 666554)