Bank routing number ยท Wood River, Nebraska
Heritage Bank Routing Number (ABA): 104908383
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The Heritage Bank routing number is 104908383. It is the primary ABA routing transit number on the bank's FFIEC National Information Center record, refreshed here on October 25, 2026.
Heritage Bank at a glance
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.
- Total assets, Q2 2026
- $611.6M
- Tier 1 leverage ratio, Q2 2026
- 23.01%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Domestic offices
- 20 FDIC institution directory, current count
- Established
- 1884
Full financial profile · Is Heritage Bank safe? · Branch locations
Heritage Bank routing numbers on file
| Routing number | Type | Status | Source |
|---|---|---|---|
| 104908383 | Primary ABA | Active | FFIEC NIC |
Record refreshed here on October 25, 2026. NIC holds one primary number per bank; Heritage Bank publishes any other numbers it uses itself.
What the digits mean
The first two digits, 10, place this number in the Federal Reserve Bank of Kansas City's district (District 10). Digits five through eight, 0838, identify the institution within that district. The last digit, 3, is a check digit, and the number passes the standard check: weight the nine digits 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum is a multiple of 10.
Before you send money to Heritage Bank
A routing number tells the payment network which financial institution holds an account. You give it with an account number for ACH transfers through the automated clearing house, such as direct deposit, bill pay and transfers from a checking account, which usually settle in one to two business days. An international wire to a US account normally needs the bank's SWIFT code as well.
Match this number against the one on your Heritage Bank checks or in its online banking. Ask the bank for wire instructions (www.bankonheritage.com). Our record does not show whether this number receives wires. The Federal Reserve's E-Payments Routing Directory shows it: its Fedwire participant search lists the numbers that can receive Fedwire transfers, and its FedACH search lists those that receive ACH payments. How to confirm any routing number.
About Heritage Bank
Heritage Bank is headquartered in Wood River, Nebraska and was established in 1884. It is in the GRAND ISLAND, NE metro area. It reported $611.6M in total assets and $420.5M in deposits for Q2 2026, the 31st largest of the 138 banks headquartered in Nebraska. It reports 20 domestic offices. Its deposits have been FDIC insured since 1952. Its primary federal regulator is the FDIC.
What the digits in 104908383 mean
The first four digits, 1049, are the Federal Reserve routing symbol. The prefix 10 places the number in the 10th Federal Reserve District (Kansas City). That is also the district where the bank is headquartered. Digits five through eight, 0838, identify the institution within its Federal Reserve district. The last digit, 3, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 13 + 7 x 8 + 15 = 110, a multiple of 10, so 104908383 is a well-formed routing number. A mistyped digit almost always breaks that sum.
What is the Heritage Bank routing number?
The Heritage Bank routing number is 104908383. It is the primary ABA routing transit number registered to Heritage Bank, headquartered in Wood River, NE. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 25, 2026.
What is the Heritage Bank wire routing number?
This page lists the primary routing number registered to Heritage Bank. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with Heritage Bank before sending a wire.
Is ABA number 104908383 the routing number for Heritage Bank?
Yes. It is the primary routing number registered to Heritage Bank.
Which bank uses routing number 104908383?
It belongs to Heritage Bank, headquartered in Wood River, NE. It is the bank's primary ABA routing number (FDIC certificate 17145).
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Regulator records: FDIC BankFind (cert 17145) · FFIEC NIC profile (RSSD 666554)