$235M
+79.6%y/y
Percentile by value20th percentileby value
FDIC
LNLSGRHB
Heritage Bank
Topeka, KansasFDIC Cert #57548
STATEEstablished 20033 branches
Holding company: HERITAGE BANCSHARES INCRegulator: FED
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $38.8M |
| Investor CRE | $37.1M |
| Multifamily | $9.75M |
| Construction | $16.4M |
| 1–4 family | $68.1M |
| C&I | $38M |
| Agriculture | $6.95M |
| Other | $20M |
Loan book
Reported balances and balance-sheet intensity.
$232M
+79.5%y/y
Percentile by value19th percentileby value
FDIC
LNLSNET+79.53%
+136.1%y/y
Percentile by value100th percentileby value
FDIC
LNLSNET94.8%
−6.1%y/y
Percentile by value82nd percentileby value
FDIC
LNLSNET + DEP69.1%
−20.1%y/y
Percentile by value49th percentileby value
FDIC
LNLSNET + ASSET78.34%
−9.5%y/y
Percentile by value32nd percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
192%
−30.7%y/y
Percentile by value59th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC50%
−56.2%y/y
Percentile by value62nd percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC1,705points
−9.0%y/y
Peer standing82nd percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD16.50%
+12.1%y/y
Percentile by value69th percentileby value
FDIC
LNRENROW + LNLSGR15.77%
+3.7%y/y
Percentile by value59th percentileby value
FDIC
LNRENROT + LNLSGR16.16%
+2.8%y/y
Percentile by value81st percentileby value
FDIC
LNCI + LNLSGR