TellerScore

Heritage Bank (FDIC certificate #57548) is based in Topeka, Kansas. Its Q2 2026 call report shows $324.9M in total assets and $278.6M in deposits and 3 offices.

Heritage Bank has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 155th. Earnings contributes the most (90/100, 1.74%); capital cushion contributes the least (49/100, 9.94%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Tier 1 leverage ratio: 9.94%
Loan quality57/100
Noncurrent loans ÷ total loans: 1.28%
Earnings90/100
Return on assets (annualized): 1.74%
Funding & liquidity54/100
Loans ÷ deposits and uninsured-deposit share: 84.2% · 34.7% uninsured
Problem-loan coverage85/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 7.74%

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 5 points (69 → 64), mostly because the loan quality component weakened by 43 points.

TellerScore
646973Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202472
Q4 202468
Q1 202570
Q2 202569
Q3 202568
Q4 202566
Q1 202667
Q2 202664
Tier 1 leverage ratio
5.00%9.42%13.84%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.65%
Q3 202410.01%
Q4 20249.88%
Q1 20259.69%
Q2 20259.63%
Q3 202513.84%
Q4 20259.78%
Q1 20269.93%
Q2 20269.94%
Noncurrent loans
0.00%0.65%1.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20251.30%
Q4 20250.04%
Q1 20260.48%
Q2 20261.28%
Return on assets
1.14%1.47%1.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.40%
Q3 20241.39%
Q4 20241.16%
Q1 20251.40%
Q2 20251.52%
Q3 20251.16%
Q4 20251.14%
Q1 20261.79%
Q2 20261.74%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$324.9M9.94%1.28%1.74%84.2%
Q1 202667$335.8M9.93%0.48%1.79%94.8%
Q4 202566$311.1M9.78%0.04%1.14%98.6%
Q3 202568$290.6M13.84%1.30%1.16%92.9%
Q2 202569$157.3M9.63%0.00%1.52%105.2%
Q1 202570$149.5M9.69%0.00%1.40%100.9%
Q4 202468$142.3M9.88%0.00%1.16%102.3%
Q3 202472$134.6M10.01%0.00%1.39%97.6%
Q2 202473$128.7M10.65%0.00%1.40%102.5%

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).

Capital ratio9.94%
30th
Total risk-based capital14.24%
64th
Problem loans1.28%
22nd
Net charge-offs-0.00%
81st
Return on assets1.74%
78th
Net interest margin4.39%
74th
Efficiency ratio50.6%
82nd
Loans to deposits84.2%
40th
Uninsured deposits34.7%
18th
Loan-loss reserves1.36%
68th
Texas ratio7.7%
24th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
KCB BankBank Lakin, KS73 out of 100, Strong$322.3M12.6%1.15%vs
First National Bank and TrustBank Phillipsburg, KS72 out of 100, Strong$322.2M14.7%1.87%vs
Centera BankBank Sublette, KS78 out of 100, Strong$318.1M9.6%0.01%vs
Stryv BankBank Wichita, KS62 out of 100, Moderate$333.3M8.9%0.00%vs
The Citizens State BankBank Gridley, KS81 out of 100, Strong$336.2M12.1%0.58%vs
Kaw Valley BankBank Topeka, KS80 out of 100, Strong$339.5M11.9%0.00%vs

Deposit insurance

Is my money safe at Heritage Bank?

Yes. Heritage Bank is an FDIC-insured institution (FDIC certificate #57548). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 34.7% of deposits ($96.7M) 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 9.94%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.24% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Heritage Bank lists 3 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Heritage Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
57548
RSSD ID
3120897
Primary regulator
FED
Holding company
Heritage Bancshares Inc
Established
April 14, 2003
Headquarters
3024 Sw Wanamaker Rd, Topeka, KS 66614
Employees
47

Quick answers

Heritage Bank: common questions

Is Heritage Bank FDIC insured?

Yes. Heritage Bank is an FDIC-insured institution (FDIC certificate #57548). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Heritage Bank's TellerScore?

64 out of 100 (Moderate), 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 #57548 in the FDIC failed bank list.

How many branches does Heritage Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Topeka

InstitutionScoreAssetsCapitalProblem loansCompare
Topeka Firemen'S Credit UnionCredit union Topeka, KS92 out of 100, Very strong$11.7M25.8%0.03%vs
Empower Blue Credit UnionCredit union Topeka, KS88 out of 100, Very strong$55.1M18.1%0.10%vs
Topeka Police Credit UnionCredit union Topeka, KS88 out of 100, Very strong$6.3M15.7%0.05%vs
The Denison State BankBank Holton, KS87 out of 100, Very strong$453.6M17.5%1.08%vs
1st Kansas Credit UnionCredit union Topeka, KS86 out of 100, Very strong$12.2M19.9%0.41%vs
Kaw Valley State Bank and Trust CompanyBank Wamego, KS85 out of 100, Very strong$295.8M11.7%0.08%vs