Heritage Bank (FDIC #17145): Bank Stress & Real-Estate Credit Exposure
Heritage Bank (FDIC Cert #17145): bank stress 0/100, contained, STABLE over 7 days; parent HERITAGE GROUP INC.
Heritage Bank (#17145) lends in 12 counties across 1 state; Heritage Bank (#17145) reaches 114 ZIP codes: Nebraska 12 counties, 114 ZIPs.
Heritage Bank (#17145) largest markets: Custer County, NE (21 branches, 21 ZIPs) (#17145), Buffalo County, NE (28 branches, 14 ZIPs) (#17145), Hamilton County, NE (42 branches, 14 ZIPs) (#17145), Adams County, NE (28 branches, 14 ZIPs) (#17145), Howard County, NE (11 branches, 11 ZIPs) (#17145), Hall County, NE (44 branches, 11 ZIPs) (#17145).
Heritage Bank (#17145) reports $611.6 million in total assets; Heritage Bank (#17145) equity $138.7 million (22.7% of Heritage Bank (#17145) assets); Heritage Bank (#17145) domestic deposits $420.5 million; Heritage Bank (#17145) net income $7.8 million; Heritage Bank (#17145) return on assets 2.58%; Heritage Bank (#17145) return on equity 11.56%; Heritage Bank (#17145) net interest income $12.9 million; Heritage Bank (#17145) call report June 30, 2026.
Heritage Bank (#17145) noncurrent real-estate loans: none reported; Heritage Bank (#17145) net charge-offs on real estate 0.61%.
Heritage Bank (#17145) net interest margin 4.39% against an eight-quarter Heritage Bank (#17145) average of 4.23% (Heritage Bank (#17145) compression -0.16 points); Heritage Bank (#17145) rate-exposure score 40/100, Heritage Bank (#17145) fixed-rate trap 40/100; Heritage Bank (#17145) risk type rate trapped; Heritage Bank (#17145) rate regime rates elevated, Heritage Bank (#17145) snapshot October 19, 2026.
Heritage Bank (#17145) stress score moved from 1.1 on June 22, 2026 to 0 on October 19, 2026; Heritage Bank (#17145) ranged 0 to 1.1 over 116 snapshots.
Heritage Bank (#17145) alerts: 12 counties; top Heritage Bank (#17145) alert scores: Kearney County, NE 17 (low); Aurora County, NE 9 (low); Broken Bow County, NE 9 (low); Hastings County, NE 9 (low); Loup City County, NE 9 (low).