BlastPoint's Banking Scorecard
Heritage Bank
Community
Specialty: Agricultural
NE
FDIC cert 17145
Wood River, NE
1484
banks in Community tier nationally
39 in NE
View Community leaderboard (NE) →
Heritage Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 5% in Community
- + Profitability Leader: Top 17% in Community
- + Efficiency Ratio 31.03% below tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 15% in Community
- - Capital Thin: Bottom 29% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$593.7M
+2.3% YoY
+1.2% QoQ
|
-$797.8M |
$1.4B
+2.0% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 14% in tier |
| Total Loans ? |
$265.6M
+19.9% YoY
+6.6% QoQ
|
-$709.9M |
$975.5M
+2.4% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
Bottom 3% in tier |
| Total Deposits ? |
$399.2M
-2.1% YoY
+0.0% QoQ
|
-$765.5M |
$1.2B
+1.7% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
2.57%
+11.5% YoY
+1.8% QoQ
|
+1.41% |
1.16%
+17.2% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
4.35%
+9.5% YoY
+0.8% QoQ
|
+0.68% |
3.66%
+9.1% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
82% |
| Efficiency Ratio ? |
31.60%
-9.2% YoY
-0.6% QoQ
|
-31.03% |
62.63%
-5.3% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
0.15%
+52.0% YoY
+50.2% QoQ
|
-0.47% |
0.63%
+18.3% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
66.54%
+22.5% YoY
+6.5% QoQ
|
-16.52% |
83.06%
+0.3% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
85% |
| Non-Interest-Bearing Deposit Share ? |
18.20%
+0.2% YoY
+0.1% QoQ
|
-2.84% |
21.05%
-0.9% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.07%
+78.0% YoY
+58.1% QoQ
|
-0.43% |
0.50%
+20.3% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
83% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.70%
-2.1% YoY
+37.6% QoQ
|
-0.04% |
0.74%
-1.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
71% |
Signature Analysis
Strengths (3)
Credit Quality Leader
growth
#18 of 371 · Top 5% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.15%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Profitability Leader
growth
#65 of 371 · Top 17% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.57%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Efficiency Ratio
metric
Top 1%
in Community
Why this stands out
Current:
31.60%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (2)
Credit Quality Pressure
risk
#122 of 808 · Bottom 15% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.15%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Capital Thin
risk
#126 of 432 · Bottom 29% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Efficiency Ratio
Current: 31.60% · Tier avg: 62.63%
97
97th pctile
Return on Assets
Current: 2.57% · Tier avg: 1.16%
85
85th pctile
Loan-to-Deposit Ratio
Current: 66.54% · Tier avg: 83.06%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
82
82th pctile
Net Interest Margin
Current: 4.35% · Tier avg: 3.66%
76
76th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.63%
71
71th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.74%
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 18.20% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
14
14th pctile
Total Assets
Current: $593.7M · Tier avg: $1.4B
3
3th pctile
Total Loans
Current: $265.6M · Tier avg: $975.5M
1
1th pctile
Total Deposits
Current: $399.2M · Tier avg: $1.2B
Top Weaknesses
1
1th pctile
Total Deposits
Current: $399.2M · Tier avg: $1.2B
3
3th pctile
Total Loans
Current: $265.6M · Tier avg: $975.5M
14
14th pctile
Total Assets
Current: $593.7M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 18.20% · Tier avg: 21.05%
71
71th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.74%
76
76th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.63%
82
82th pctile
Net Interest Margin
Current: 4.35% · Tier avg: 3.66%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
85
85th pctile
Loan-to-Deposit Ratio
Current: 66.54% · Tier avg: 83.06%
97
97th pctile
Return on Assets
Current: 2.57% · Tier avg: 1.16%
99
99th pctile
Efficiency Ratio
Current: 31.60% · Tier avg: 62.63%