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Heritage Bank
Wood River, NE · FDIC Certificate #17145 · Chartered 01/0
Total assets
$611.64M
Total deposits
$420.54M
Total equity
$138.73M
Net loans
$296.44M
Branches (offices)
20
Net income (YTD)
$7.82M
Rank: #1,537 of 4,213 U.S. banks by assets · #31 of 138 in Nebraska. Assets changed 3.8% and deposits 1.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.58% |
| Return on equity | 11.56% |
| Net interest margin (YTD) | 4.39% |
| Equity to assets | 22.68% |
| Tier 1 leverage ratio | 23.01% |
| Uninsured deposits (share of deposits) | 29.0% |
| Noncurrent loans (share of loans) | 1.18% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 70.5% |
| Real estate loans (share of loans) | 64.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $190.34M | 64.2% | |
| Commercial & industrial | $36.75M | 12.4% | |
| Consumer / individual | $3.14M | 1.1% | |
| Construction & development | $18.27M | 6.2% | |
| Agricultural | $68.36M | 23.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $600.67M | $463.45M | $2.67M | $89.57M |
| Jun 2023 | $601.67M | $443.16M | $7.26M | $98.92M |
| Jun 2024 | $572.59M | $420.01M | $6.35M | $112.30M |
| Jun 2025 | $589.42M | $413.65M | $7.53M | $125.67M |
| Jun 2026 | $611.64M | $420.54M | $7.82M | $138.73M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Nebraska | $420.54M | 20 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $420.54M.
Similar-sized banks
Andrew Johnson Bank ($611.86M) · All America Bank ($611.48M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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