Heritage Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). A current level of 2.5 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (8.8).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 23.0. Operating profits as a percentage of assets at 3.2%, coupled with a return on assets of 2.6 has resulted in Excellent (9.8) profitability.
Asset Mix:
Securities (39%), cash (10%), home mtgs (8%), comm re (8%), comm loans (6%), consumer loans (1%), other (29%)
States with Branches:
NE
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Heritage Group, Inc.
Investment Rating
--
Address
110 East Ninth Street
Wood River, NE 68883
Wood River, NE 68883
Phone Number
(308) 583-2262
Year Founded
1884
FDIC Number
Website
Largest Affiliates
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