Vitals
  • Total Assets
    608.4M 1.0 %
  • Total Deposits
    428.0M -3.9 %
  • Total Net Loans
    229.0M -5.9 %
  • Net Income
    10.1M 31.8 %
  • Book Value
    96.8M 5.5 %
  • Book Value x2
    193.5M 5.5 %
  • Book Value x3
    290.3M 5.5 %
ROAA

1.706

ROAE

10.684

Efficiency Ratio

43.921

Net Interest Margin

2.687

Balance Sheet Highlights
Financial Highlights Heritage Bank All Insured Commercial Banks in Nebraska
Balance Sheet $(000)
Total Assets 608,445 170,284
Total Net Loans 229,030 117,277
Total Deposits 428,003 137,686
Total Equity 96,768 18,945
Profitability
Net Income 10,087 1,911
Return on Average Assets 1.706 1.018
Return on Average Equity 10.684 9.028
Net Interest Margin 2.687 3.761
Efficiency Ratio 43.921 64.484
Noninterest Income/Revenue 19.831 12.891
Balance Sheet Ratios
Loan-to-Deposit 53.511 83.61
Securities/Assets .491 .163
Total Equity/Total Assets .159 .111
Tangible Equity/Tangible Assets .152 .107
Capital Adequacy
Tier 1 Common Capital 92,985 18,124
Tier 1 Capital 92,985 18,269
Tier 2 Capital 4,240 1,473
Total Capital 97,225 19,774
Total Risk Weighted Assets 350,188 134,666
Leverage Ratio 15.85 11.078
Common Equity Tier 1 Capital Ratio 26.55 14.674
Tier 1 Capital Ratio 26.55 14.698
Total Capital Ratio 27.76 15.794

Timeline for Heritage Bank

Peoples-Webster County Bank

Acquisition: Heritage Bank acquired a new subsidiary, Peoples-Webster County Bank, 10 years

View Profile Nov 30 2013

Sherman County Bank

Acquisition: Heritage Bank acquired a new subsidiary, Sherman County Bank, 15 years

View Profile Feb 14 2009

Bottom Line Resources, Llc

Bottom Line Resources, Llc became a new subsidiary organization for Heritage Bank.

View Profile Nov 13 2007

Hgi Insurance Inc

Hgi Insurance Inc became a new subsidiary organization for Heritage Bank.

View Profile Mar 14 2005

Hgi Realty, Inc.

Hgi Realty, Inc. became a new subsidiary organization for Heritage Bank.

View Profile Apr 28 2004

Want to see more?

Complete timeline for Heritage Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Peoples-Webster County Bank Seller 72,112 Acquisition Discontinued 11/30/2013
Sherman County Bank Seller 135,431 Failure 2/14/2009
City National Bank And Trust Company, Hastings, Nebraska Seller 219,642 Pooling of Interests Discontinued 5/31/2003
Heritage Bank, National Association Seller 5,533 Pooling of Interests Discontinued 10/19/2002
Stromsburg Bank Seller 30,030 Pooling of Interests Discontinued 4/29/2000
First National Bank & Trust Company In Aurora Seller 95,324 Pooling of Interests Discontinued 4/29/2000
Relationships Role Relationship Start Relationship End
Heritage Group, Inc. Parent 12/31/1996
Heritage Group, Inc. Parent 12/31/1992 12/30/1996
Heritage Group, Inc. Parent 4/1/1992 12/30/1992
Wood River Financial Services, Inc. Parent 4/10/1979 3/31/1992
Hgi Insurance Inc Subsidary 6/30/2007
Hgi Realty, Inc. Subsidary 6/30/2007
Bottom Line Resources, Llc Subsidary 11/13/2007 10/26/2010
Hgi Insurance Inc Subsidary 3/14/2005 6/29/2007
Hgi Realty, Inc. Subsidary 4/28/2004 6/29/2007
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