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 climbed 8.49 percentage points in Q2 2026, from 72.11% to 80.60%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Heritage Bank ranks 5th highest among the 138 banks headquartered in Nebraska, at 2.66% (Q2 2026). Heritage Bank's return on assets of 2.66% is well above the 1.26% median for banks in the $100M-1B asset tier, a gap of 1.40 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 23.01% |
| Equity capital to assets | 22.68% |
| Tangible equity to tangible assets | 22.68% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.18% |
| Non-performing assets ratio | 0.58% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.50% |
| Allowance for credit losses to loans | 0.95% |
| Reserve coverage of non-performing loans | 80.60% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.66% |
| Return on equity | 11.90% |
| Net interest margin | 4.44% |
| Efficiency ratio | 33.42% |
| Yield on earning assets | 5.33% |
| Cost of funds | 1.12% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.17% |
| Core deposits to total deposits | 95.58% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 68.76% |
| Securities to assets | 39.18% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 18.10% | 2.27% | 3.77% | 0.00% | 0.00% |
| Q4 2023 | 18.68% | 2.21% | 3.67% | 0.11% | 0.01% |
| Q1 2024 | 19.72% | 2.23% | 3.92% | 0.12% | 0.00% |
| Q2 2024 | 20.09% | 2.23% | 3.78% | 0.00% | 0.00% |
| Q3 2024 | 20.17% | 1.81% | 3.96% | 0.20% | 0.00% |
| Q4 2024 | 20.41% | 2.94% | 4.04% | 0.10% | -0.01% |
| Q1 2025 | 20.68% | 2.41% | 4.10% | 1.01% | 0.00% |
| Q2 2025 | 21.52% | 2.63% | 4.49% | 0.00% | 0.00% |
| Q3 2025 | 22.58% | 2.49% | 4.12% | 0.10% | 0.00% |
| Q4 2025 | 22.79% | 2.71% | 4.43% | 0.15% | 0.00% |
| Q1 2026 | 22.55% | 2.48% | 4.21% | 1.39% | 0.00% |
| Q2 2026 | 23.01% | 2.66% | 4.44% | 1.18% | 0.00% |
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 17145) · FFIEC NIC profile (RSSD 666554)