Vitals
  • Total Assets
    139.1M -1.5 %
  • Total Deposits
    115.9M -0.5 %
  • Total Net Loans
    106.8M 4.4 %
  • Net Income
    1.2M -18.6 %
  • Book Value
    12.6M 1.7 %
  • Book Value x2
    25.2M 1.7 %
  • Book Value x3
    37.8M 1.7 %
ROAA

.908

ROAE

9.725

Efficiency Ratio

79.182

Net Interest Margin

4.189

Balance Sheet Highlights
Financial Highlights Heritage State Bank All Insured Commercial Banks in Missouri
Balance Sheet $(000)
Total Assets 139,110 258,416
Total Net Loans 106,805 178,998
Total Deposits 115,921 217,087
Total Equity 12,589 28,107
Profitability
Net Income 1,230 2,724
Return on Average Assets .908 1.016
Return on Average Equity 9.725 9.475
Net Interest Margin 4.189 3.745
Efficiency Ratio 79.182 67.758
Noninterest Income/Revenue 14.647 16.937
Balance Sheet Ratios
Loan-to-Deposit 92.136 78.741
Securities/Assets .114 .158
Total Equity/Total Assets .09 .109
Tangible Equity/Tangible Assets .089 .106
Capital Adequacy
Tier 1 Common Capital 12,439 27,011
Tier 1 Capital 12,439 27,012
Tier 2 Capital 1,286 2,220
Total Capital 13,725 29,258
Total Risk Weighted Assets 102,597 195,723
Leverage Ratio 9.22 10.472
Common Equity Tier 1 Capital Ratio 12.12 14.947
Tier 1 Capital Ratio 12.12 14.954
Total Capital Ratio 13.38 16.077

Timeline for Heritage State Bank

Home Federal Savings Of Kansas City

Acquisition: Heritage State Bank acquired a new subsidiary, Home Federal Savings Of Kansas City, 32 years

View Profile Mar 28 1992

Farmers Bank Of Walker

Acquisition: Heritage State Bank acquired a new subsidiary, Farmers Bank Of Walker, 35 years

View Profile May 20 1989

Shelbank Corporation

Shelbank Corporation became a new parent organization for Heritage State Bank.

View Profile Jul 02 1979

Heritage State Bank

Heritage State Bank was established 112 years ago and is currently headquartered in Nevada, MO.

Jun 11 1911
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Home Federal Savings Of Kansas City Seller 2,253,960 Failure 3/28/1992
Farmers Bank Of Walker Seller 4,567 Discontinued 5/20/1989
Relationships Role Relationship Start Relationship End
Shelbank Corporation Parent 12/28/1999
Shelbank Corporation Parent 4/20/1993 12/27/1999
Shelbank Corporation Parent 12/31/1984 4/19/1993
Shelbank Corporation Parent 12/31/1983 12/30/1984
Shelbank Corporation Parent 7/2/1979 12/30/1983
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