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 Wood River, NE 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 | 2.66% | 1.25% | +1.41% | 96th top |
| ROAE | 11.90% | 12.22% | -0.32% | 46th below |
| Net Interest Margin | 4.44% | 3.95% | +0.49% | 76th top |
| Efficiency Ratio | 33.42% | 63.71% | -30.29% | 98th top |
| PPNR / Avg Assets | 3.33% | — | — | 97th top |
| Yield on Earning Assets | 5.33% | 5.67% | -0.34% | 36th below |
| Cost of Funds | 1.12% | 1.87% | -0.75% | 87th top |
| Net Interest Spread | 3.98% | — | — | 82nd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.18% | 0.88% | +0.30% | 24th bottom |
| NPA / Total Assets | 0.58% | — | — | 35th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.15% | -0.15% | 49th below |
| ACL / Total Loans | 0.95% | — | — | 21st bottom |
| ACL / NPLs (Coverage) | 80.60% | — | — | 20th bottom |
| Texas Ratio | 2.50% | 5.96% | -3.46% | 52nd above |
| Provision / NCO | 12000.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 23.01% | 11.75% | +11.26% | 97th top |
| Equity / Assets | 22.68% | 10.98% | +11.70% | 97th top |
| TCE / Tangible Assets | 22.68% | — | — | 97th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.17% | 80.44% | -9.27% | 69th above |
| Core Deposit Ratio | 95.58% | 86.95% | +8.63% | 87th top |
| Wholesale Funding Ratio | 8.47% | — | — | 19th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.77% | — | — | 45th below |
| Loan Growth (Y/Y) | 26.51% | — | — | 96th top |
| Deposit Growth (Y/Y) | 1.67% | — | — | 33rd below |
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.