C
Heritage Bank
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
22.58
Return On
Assets
2.51%
Total
Assets
586.66M
Capital
129.41M
Total
Deposits
399.03M
Net
Income
11.16M
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Weiss Ratings Heritage Bank
Wood River, NE 		Click to
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Rating C
Asset Quality Index 9.10
Capitalization Index 10.00
Liquidity Index 0.70
Profitability Index 10.00
Stability Index 4.30
Company Info Heritage Bank
Wood River, NE 		Click to
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FDIC Number 17145
Phone Number (308) 583-2262
Website www.bankonheritage.com
Asset Quality Heritage Bank
Wood River, NE 		Click to
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1-Year Asset Growth 0.61%
5-Year Asset Growth 2.32%
5-Year Charge-Offs to Average Loans -0.02%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.19%
Non-Performing Loans to Loans 0.00%
Balance Sheet Heritage Bank
Wood River, NE 		Click to
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Total Assets 586.66M
Total Deposits 399.03M
Capital and Reserves Heritage Bank
Wood River, NE 		Click to
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Capital 129.41M
Leverage Ratio 22.58
Loan Loss Reserves to Loans 0.99%
Risk-Based Capital Ratio --
Liquidity Heritage Bank
Wood River, NE 		Click to
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Hot Money Ratio 8.05%
Liquidity Ratio 39.21%
Profitability Heritage Bank
Wood River, NE 		Click to
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5-Year Return on Average Assets 1.74%
Net Income 11.16M
Net Interest Spread 4.24%
Operating Profit to Average Assets 3.21%
Overhead Efficiency Ratio 31.79%
Return on Assets 2.51%
Return on Equity 12.03%