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Heritage Bank
Topeka, KS · FDIC Certificate #57548 · Chartered 04/1
Total assets
$324.90M
Total deposits
$278.62M
Total equity
$36.13M
Net loans
$234.73M
Branches (offices)
3
Net income (YTD)
$2.82M
Rank: #2,358 of 4,213 U.S. banks by assets · #65 of 183 in Kansas. Assets changed 106.5% and deposits 112.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.74% |
| Return on equity | 16.03% |
| Net interest margin (YTD) | 4.39% |
| Equity to assets | 11.12% |
| Tier 1 leverage ratio | 9.94% |
| Uninsured deposits (share of deposits) | 34.7% |
| Noncurrent loans (share of loans) | 1.28% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 84.2% |
| Real estate loans (share of loans) | 76.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $179.19M | 76.3% | |
| Commercial & industrial | $39.41M | 16.8% | |
| Consumer / individual | $18.93M | 8.1% | |
| Construction & development | $16.88M | 7.2% | |
| Agricultural | $1.14M | 0.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $87.61M | $76.77M | $462.00K | $9.17M |
| Jun 2023 | $101.30M | $84.09M | $886.00K | $10.88M |
| Jun 2024 | $128.65M | $103.92M | $848.00K | $12.61M |
| Jun 2025 | $157.33M | $130.92M | $1.14M | $14.33M |
| Jun 2026 | $324.90M | $278.62M | $2.82M | $36.13M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $278.62M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $278.62M.
Similar-sized banks
The First National Bank Of River Falls ($325.27M) · Fms Bank ($324.82M)
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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