1.79%
+27.8%y/y
Peer standing81st percentile
FDIC
NETINC + ROAHB
Heritage Bank
Topeka, KansasFDIC Cert #57548
STATEEstablished 20033 branches
Holding company: HERITAGE BANCSHARES INCRegulator: FED
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
16.75%
+10.1%y/y
Peer standing76th percentile
FDIC
NETINC + ROE1.89%
+26.8%y/y
Peer standing74th percentile
FDIC
PTAXNETINC + ASSET4.35%
+10.6%y/y
Peer standing77th percentile
FDIC
NIM + NIMY6.38%
−11.2%y/y
Peer standing84th percentile
FDIC
INTINCY3.19%
−20.5%y/y
Peer standing16th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
51.46%
−5.5%y/y
Peer standing80th percentile
FDIC
NONIX + NIM + NONII + EEFFR2.16%
+3.3%y/y
Peer standing75th percentile
FDIC
NONIX + ASSET3.06%
+2.1%y/y
Percentile by value5th percentileby value
FDIC
NONII + NIM+124.57%
+414.1%y/y
Percentile by value100th percentileby value
FDIC
ASSET+91.14%
+244.5%y/y
Percentile by value100th percentileby value
FDIC
DEP+79.53%
+136.1%y/y
Percentile by value100th percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.79%81st percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE16.75%76th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY4.35%77th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR51.46%80th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP+91.14%100th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET+79.53%100th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.48%47th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ9.93%35th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.19%16th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC192%59th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.79%80th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.70%Median 1.39%90th 2.13%Observations 188
ROE
FDIC
NETINC + ROE16.75%74th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.89%Median 12.98%90th 21.21%Observations 188
NIM
FDIC
NIM + NIMY4.35%75th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.18%Median 3.86%90th 4.76%Observations 188
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR51.46%76th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.76%Median 61.16%90th 78.57%Observations 188
Deposits YoY
FDIC
DEP+91.14%100th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.43%Median +5.17%90th +16.33%Observations 188
Loans YoY
FDIC
LNLSNET+79.53%100th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.66%Median +6.07%90th +21.96%Observations 187
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.48%44th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.30%90th 2.12%Observations 187
Leverage
FDIC
RBC1AAJ9.93%35th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.68%Median 10.85%90th 17.67%Observations 188
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.19%12th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.55%Median 2.29%90th 3.27%Observations 188
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC192%78th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 3%Median 83%90th 246%Observations 91
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.79%78th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 1.01%Median 1.52%90th 2.35%Observations 50
ROE
FDIC
NETINC + ROE16.75%65th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 10.14%Median 15.74%90th 23.87%Observations 50
NIM
FDIC
NIM + NIMY4.35%69th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.30%Median 4.00%90th 4.68%Observations 50
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR51.46%63rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 42.59%Median 57.70%90th 70.47%Observations 50
Deposits YoY
FDIC
DEP+91.14%100th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.45%Median +5.53%90th +22.07%Observations 50
Loans YoY
FDIC
LNLSNET+79.53%100th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.11%Median +5.52%90th +21.16%Observations 50
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.48%49th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.46%90th 1.85%Observations 50
Leverage
FDIC
RBC1AAJ9.93%49th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.77%Median 9.99%90th 12.71%Observations 50
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.19%12th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.63%Median 2.38%90th 3.20%Observations 50
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC192%64th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 32%Median 109%90th 272%Observations 26
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.