BlastPoint's Banking Scorecard

Heritage Bank

$100M-$1B Specialty: Agricultural NE FDIC cert 17145

Wood River, NE

20 branches across NE

2664 banks in the $100M-$1B peer group nationally 82 in NE

Heritage Bank has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 31.4% in tier
+ Profitability Leader: Top 43.4% in tier
+ Efficiency Ratio 32.82% below tier average
+ Net Interest Margin 0.34% above tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 46.8% in tier
- Delinquency Rate 0.51% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$612.5M +2.1% YoY +3.2% QoQ	+$226.4M	$386.1M +0.5% YoY	$791.1M +6.6% YoY	$6.2B +9.1% YoY	81%
Total Loans ?	$271.1M +21.5% YoY +2.1% QoQ	+$15.4M	$255.7M +1.1% YoY	$551.6M +6.9% YoY	$3.2B +10.8% YoY	63%
Total Deposits ?	$421.6M -0.9% YoY +5.6% QoQ	+$93.6M	$328.0M +0.1% YoY	$661.1M +6.6% YoY	$4.8B +8.2% YoY	72%
Return on Assets ?	2.49% +1.8% YoY -3.0% QoQ	+1.22%	1.27% +12.9% YoY	1.36% +20.0% YoY	1.23% +13.4% YoY	Top 4.7% in tier
Net Interest Margin ?	4.27% +1.5% YoY -1.8% QoQ	+0.34%	3.93% +6.0% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	72%
Efficiency Ratio ?	32.46% +3.2% YoY +2.7% QoQ	-32.82%	65.29% -4.5% YoY	60.11% -6.9% YoY	66.95% -4.1% YoY	Top 1.3% in tier
Delinquency Rate ?	1.40% +37.1% YoY +810.7% QoQ	+0.51%	0.89% +18.8% YoY	0.72% +6.8% YoY	0.95% +18.8% YoY	20%
Loan-to-Deposit Ratio ?	64.31% +22.6% YoY -3.4% QoQ	-12.33%	76.64% +0.8% YoY	79.63% +0.4% YoY	76.70% +0.9% YoY	76%
Non-Interest-Bearing Deposit Share ?	19.23% +0.9% YoY +5.7% QoQ	-2.79%	22.02% -1.0% YoY	17.92% -1.5% YoY	22.01% -1.2% YoY	41%
Nonperforming Asset Ratio ?	0.62% +63.0% YoY +801.1% QoQ	-0.02%	0.64% +19.7% YoY	0.55% +6.0% YoY	0.67% +19.3% YoY	32%
Tier 1 Capital Ratio ?	22.55% +9.0% YoY -1.0% QoQ	+6.72%	15.83% +1.5% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	Top 9.1% in tier
Non-Interest Income / Assets ?	0.17% +10.5% YoY -76.3% QoQ	-0.11%	0.28% +9.3% YoY	0.12% +3.0% YoY	0.32% +4.1% YoY	79%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Revenue Diversifier

growth

#210 of 666 • Top 31.4% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.17%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.49%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Profitability Leader

growth

#290 of 666 • Top 43.4% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.49%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (1)

Liquidity Overhang

risk

#347 of 739 • Bottom 46.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 22.55%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 64.31%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Efficiency Ratio

profitability

Value: 32.46%

Peer Median: 65.29%

#36 of 2664 Top 1.3% in $100M-$1B

127

Return on Assets

profitability

Value: 2.49%

Peer Median: 1.27%

#127 of 2664 Top 4.7% in $100M-$1B

244

Tier 1 Capital Ratio

capital

Value: 22.55%

Peer Median: 15.83%

#244 of 2664 Top 9.1% in $100M-$1B

498

Total Assets

size

Value: $612.53M

Peer Median: $386.08M

#498 of 2664 Top 18.7% in $100M-$1B

572

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.28%

#572 of 2664 Top 21.4% in $100M-$1B

645

Loan-to-Deposit Ratio

liquidity

Value: 64.31%

Peer Median: 76.64%

#645 of 2664 Top 24.2% in $100M-$1B

Top Weaknesses (1 metrics)

2115

Delinquency Rate

credit_quality

Value: 1.40%

Peer Median: 0.89%

#2115 of 2654 Bottom 20.3% in $100M-$1B