BlastPoint's Banking Scorecard
Heritage Bank
Topeka, KS
3 branches across KS
Heritage Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 48.0% in tier
- + Net Interest Margin 0.42% above tier average
- + Efficiency Ratio 13.83% below tier average
- + Delinquency Rate 0.41% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.25% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$335.8M
+124.6% YoY
+7.9% QoQ
|
-$50.3M |
$386.1M
+0.5% YoY
|
$511.5M
+7.3% YoY
|
$6.2B
+9.0% YoY
|
52% |
| Total Loans ? |
$232.1M
+79.5% YoY
+0.1% QoQ
|
-$23.6M |
$255.7M
+1.1% YoY
|
$340.0M
+8.8% YoY
|
$3.2B
+10.7% YoY
|
56% |
| Total Deposits ? |
$244.9M
+91.1% YoY
+4.2% QoQ
|
-$83.1M |
$328.0M
+0.0% YoY
|
$426.3M
+7.3% YoY
|
$4.8B
+8.0% YoY
|
44% |
| Return on Assets ? |
1.79%
+27.8% YoY
+57.1% QoQ
|
+0.53% |
1.27%
+12.8% YoY
|
1.43%
+17.3% YoY
|
1.24%
+13.1% YoY
|
81% |
| Net Interest Margin ? |
4.35%
+10.6% YoY
-0.4% QoQ
|
+0.42% |
3.93%
+6.0% YoY
|
3.93%
+4.6% YoY
|
3.89%
+5.7% YoY
|
75% |
| Efficiency Ratio ? |
51.46%
-5.5% YoY
-7.0% QoQ
|
-13.83% |
65.29%
-4.4% YoY
|
61.28%
-4.6% YoY
|
66.84%
-3.8% YoY
|
81% |
| Delinquency Rate ? |
0.48%
+985.4% QoQ
|
-0.41% |
0.89%
+18.9% YoY
|
0.75%
+8.4% YoY
|
0.95%
+18.8% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
94.77%
-6.1% YoY
-3.9% QoQ
|
+18.13% |
76.64%
+0.8% YoY
|
71.71%
+1.1% YoY
|
76.69%
+0.9% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
21.31%
+68.0% YoY
+0.2% QoQ
|
-0.71% |
22.02%
-0.9% YoY
|
22.79%
-1.9% YoY
|
22.01%
-1.1% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.33%
+906.7% QoQ
|
-0.30% |
0.64%
+19.7% YoY
|
0.49%
+9.8% YoY
|
0.66%
+19.3% YoY
|
48% |
| Tier 1 Capital Ratio ? |
11.19%
+4.0% YoY
-0.1% QoQ
|
-4.64% |
15.83%
+1.5% YoY
|
18.00%
-0.6% YoY
|
17.06%
+0.8% YoY
|
25% |
| Non-Interest Income / Assets ? |
0.03%
+10.3% YoY
-65.7% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.28%
-2.0% YoY
|
0.32%
+4.0% YoY
|
Bottom 8.5% in tier |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.