Heritage Bank: how it compares with its peers
Against 82 KS banks with half to twice its assets, Heritage Bank's strongest measure in Q2 2026 is efficiency ratio (50.63% vs. a 58.69% peer median). Its weakest relative measure is assets per employee ($6.9M vs. $6.8M).
| Measure | Heritage Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.74% | 1.51% | Top third Ahead of 73% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.39% | 3.98% | Top third Ahead of 70% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 50.63% | 58.69% | Top third Ahead of 74% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.9M | $6.8M | Middle third Ahead of 52% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.25% | 77.15% | Context |
What it means for lending operations
Its efficiency ratio of 50.63% is better than the 58.69% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- KCB Bank Lakin, KS · $322M
- First National Bank and Trust Phillipsburg, KS · $322M
- Centera Bank Sublette, KS · $318M
- Stryv Bank Wichita, KS · $333M
- The Citizens State Bank Gridley, KS · $336M
- Kaw Valley Bank Topeka, KS · $340M
Questions about Heritage Bank
How big is Heritage Bank?
Heritage Bank, established in 2003, is headquartered in Topeka, KS. It reported $325M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Heritage Bank's return on assets?
1.74% annualized in Q2 2026, against a 1.51% median for 82 KS banks with half to twice its assets, ahead of 73% of them.
What is Heritage Bank's efficiency ratio?
50.63% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 58.69%, and lower is better.
Is Heritage Bank growing its loans?
Net loans grew 70.5% over the year to Q2 2026, while deposits grew 112.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KS banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.