Heritage Bank (FDIC certificate #17145) is based in Wood River, Nebraska. Its Q2 2026 call report shows $611.6M in total assets and $420.5M in deposits and 20 offices.
Based on its Q2 2026 filing, Heritage Bank scores 86/100, which we describe as very strong. That is higher than 90% of 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 26th. Its strongest component is capital cushion (100/100; 23.01%), and its lowest is loan quality (61/100; 1.18%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 12 points (98 → 86), mostly because the loan quality component weakened by 39 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 100 |
| Q3 2024 | 98 |
| Q4 2024 | 99 |
| Q1 2025 | 89 |
| Q2 2025 | 98 |
| Q3 2025 | 96 |
| Q4 2025 | 96 |
| Q1 2026 | 85 |
| Q2 2026 | 86 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 20.09% |
| Q3 2024 | 20.17% |
| Q4 2024 | 20.41% |
| Q1 2025 | 20.68% |
| Q2 2025 | 21.52% |
| Q3 2025 | 22.58% |
| Q4 2025 | 22.79% |
| Q1 2026 | 22.55% |
| Q2 2026 | 23.01% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.20% |
| Q4 2024 | 0.10% |
| Q1 2025 | 1.01% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.10% |
| Q4 2025 | 0.15% |
| Q1 2026 | 1.39% |
| Q2 2026 | 1.18% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.21% |
| Q3 2024 | 2.08% |
| Q4 2024 | 2.31% |
| Q1 2025 | 2.45% |
| Q2 2025 | 2.55% |
| Q3 2025 | 2.53% |
| Q4 2025 | 2.57% |
| Q1 2026 | 2.49% |
| Q2 2026 | 2.58% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $611.6M | 23.01% | 1.18% | 2.58% | 70.5% |
| Q1 2026 | 85 | $612.5M | 22.55% | 1.39% | 2.49% | 64.3% |
| Q4 2025 | 96 | $593.7M | 22.79% | 0.15% | 2.57% | 66.5% |
| Q3 2025 | 96 | $586.7M | 22.58% | 0.10% | 2.53% | 62.5% |
| Q2 2025 | 98 | $589.4M | 21.52% | 0.00% | 2.55% | 56.6% |
| Q1 2025 | 89 | $599.7M | 20.68% | 1.01% | 2.45% | 52.4% |
| Q4 2024 | 99 | $580.1M | 20.41% | 0.10% | 2.31% | 54.3% |
| Q3 2024 | 98 | $583.1M | 20.17% | 0.20% | 2.08% | 50.5% |
| Q2 2024 | 100 | $572.6M | 20.09% | 0.00% | 2.21% | 44.2% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Nebraska
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Madison County BankBank Madison, NE | 85 out of 100, Very strong | $613.2M | 15.1% | 0.37% | vs |
| Mnb BankBank Mccook, NE | 75 out of 100, Strong | $594.1M | 11.1% | 0.15% | vs |
| Riverstone BankBank Eagle, NE | 76 out of 100, Strong | $593.4M | 9.7% | 0.05% | vs |
| Bank of the ValleyBank Bellwood, NE | 70 out of 100, Strong | $581.9M | 9.9% | 0.05% | vs |
| Horizon BankBank Waverly, NE | 87 out of 100, Very strong | $574.3M | 14.0% | 0.46% | vs |
| Enterprise BankBank Omaha, NE | 70 out of 100, Strong | $574.0M | 11.1% | 0.00% | vs |
Deposit insurance
Is my money safe at Heritage Bank?
Yes. Heritage Bank is an FDIC-insured institution (FDIC certificate #17145). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 29.0% of deposits ($121.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 23.01%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
20 locations
Branches
Heritage Bank lists 15 offices in 13 cities. Most locations:
- Norfolk, NE (2)
- Wood River, NE (2)
- Aurora, NE (1)
- Broken Bow, NE (1)
- Grand Island, NE (1)
- Hastings, NE (1)
- Kearney, NE (1)
- Loup City, NE (1)
- Neligh, NE (1)
- Orleans, NE (1)
- Red Cloud, NE (1)
- St. Paul, NE (1)
Identity & history
Profile
- Legal name
- Heritage Bank
- Former names
- Bank of Wood River
- Type
- State-chartered bank
- FDIC certificate #
- 17145
- RSSD ID
- 666554
- Primary regulator
- FDIC
- Holding company
- Heritage Group Inc
- Established
- January 1, 1884
- Headquarters
- 110 E 9th St, Wood River, NE 68883
- Website
- www.bankonheritage.com
- Employees
- 73
Quick answers
Heritage Bank: common questions
Is Heritage Bank FDIC insured?
Yes. Heritage Bank is an FDIC-insured institution (FDIC certificate #17145). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Heritage Bank's TellerScore?
86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Heritage Bank ever failed?
There is no failure record for FDIC certificate #17145 in the FDIC failed bank list.
How many branches does Heritage Bank have?
20 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Wood River
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Boelus State BankBank Boelus, NE | 95 out of 100, Very strong | $24.4M | 15.0% | 0.00% | vs |
| Hastings Federal Credit UnionCredit union Hastings, NE | 93 out of 100, Very strong | $52.0M | 20.8% | 0.36% | vs |
| Town & Country BankBank Ravenna, NE | 92 out of 100, Very strong | $228.9M | 14.1% | 0.00% | vs |
| Adams County BankBank Kenesaw, NE | 83 out of 100, Strong | $241.1M | 11.8% | 0.00% | vs |
| Home Federal Savings and Loan Association of Grand IslandBank Grand Island, NE | 80 out of 100, Strong | $562.9M | 13.4% | 0.19% | vs |
| Heartland BankBank Geneva, NE | 80 out of 100, Strong | $911.1M | 10.3% | 0.13% | vs |