BlastPoint's Banking Scorecard
Heritage Bank
Topeka, KS
3 branches across KS
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
- Deposits +112.8% year over year ($278.6M on the books).
- Delinquency rate 1.30%.
- Return on assets 1.74%.
- Efficiency ratio 50.63% vs a 64.48% peer average.
- Loan-to-deposit ratio 84.25% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Heritage Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.42% above tier average
- + Net Interest Margin 0.40% above tier average
- + Efficiency Ratio 13.85% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.50% below tier average
- - Delinquency Rate 0.38% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$324.9M
+106.5% YoY
-3.2% QoQ
|
-$61.7M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
50% |
| Total Loans ? |
$234.7M
+70.5% YoY
+1.1% QoQ
|
-$23.6M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
56% |
| Total Deposits ? |
$278.6M
+112.8% YoY
+13.8% QoQ
|
-$48.1M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
51% |
| Return on Assets ? |
1.74%
+14.6% YoY
-3.1% QoQ
|
+0.42% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
78% |
| Net Interest Margin ? |
4.39%
+6.6% YoY
+0.9% QoQ
|
+0.40% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
74% |
| Efficiency Ratio ? |
50.63%
-4.8% YoY
-1.6% QoQ
|
-13.85% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
82% |
| Delinquency Rate ? |
1.30%
+169.2% QoQ
|
+0.38% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
84.25%
-19.9% YoY
-11.1% QoQ
|
+6.30% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
17.97%
+45.3% YoY
-15.7% QoQ
|
-4.06% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.94%
+181.3% QoQ
|
+0.27% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
22% |
| Tier 1 Capital Ratio ? |
12.99%
+24.5% YoY
+16.1% QoQ
|
-2.92% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.06%
+17.4% YoY
+109.7% QoQ
|
-0.50% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 8.6% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
18.0%
+5.6pp YoY -3.3pp QoQ |
-4.2pp | 22.1% | 22.3% | 22.2% | 36% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
16.8%
+2.2pp YoY +0.4pp QoQ |
+5.2pp | 11.6% | 12.6% | 12.5% | 81% |
| CRE |
43.6%
-5.0pp YoY -0.4pp QoQ |
+4.1pp | 39.5% | 28.8% | 41.4% | 59% |
| 1-4 Family |
31.1%
-1.7pp YoY +1.7pp QoQ |
-1.6pp | 32.6% | 26.7% | 31.3% | 54% |
| Consumer |
8.1%
+6.3pp YoY -0.6pp QoQ |
+4.0pp | 4.1% | 4.6% | 5.0% | 89% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.0%
+2.6pp YoY +1.8pp QoQ |
-5.8pp | 18.8% | 23.3% | 19.7% | 28% |
| Leverage Ratio |
9.9%
+0.3pp YoY 0.0pp QoQ |
-2.2pp | 12.2% | 12.6% | 12.6% | 30% |
| Total Capital Ratio |
14.2%
+2.6pp YoY +1.9pp QoQ |
-5.7pp | 19.9% | 24.4% | 20.8% | 29% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
47
+31 (+193.8%) YoY 0 QoQ |
-12 | 58 | 70 | 482 | 49% |
| Assets per Employee ($) |
$6.9M
-29.7% YoY -3.2% QoQ |
-$605K | $7.5M | $7.1M | $8.8M | 51% |
| Branch Count |
3
+2 (+200.0%) YoY 0 QoQ |
-2 | 4 | 6 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.3%
+0.8pp QoQ |
+1.0pp | 0.3% | 0.4% | 0.4% | 94% |
| Nonaccrual |
0.0%
0.0pp QoQ |
-0.9pp | 0.9% | 0.8% | 1.0% | 5% |
| Allowance Coverage |
1.06x
-62.2% QoQ |
-23.09x | 24.15x | 22.44x | 20.23x | 28% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 22% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.0%
-0.5pp YoY -0.7pp QoQ |
+3.8pp | 12.2% | 14.3% | 11.6% | 73% |
| Cost of Funds (YTD) |
2.1%
-1.2pp YoY 0.0pp QoQ |
+0.4pp | 1.7% | 1.6% | 1.7% | 74% |
| Net Income ($, YTD) |
$2.8M
+147.9% YoY — QoQ |
+$261K | $2.6M | $3.7M | $40.4M | 67% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.