Heritage Bank
Wood River, NE
IDRSSD: 666554
Total Assets
$593.70M
Latest filing
Total Deposits
$399.15M
Latest filing
Net Interest Margin
4.46%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
104908383WOOD RIVER, NE
Key People
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Locations
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Main Office
Heritage Bank
110 E 9th St
Wood River, NE 68883
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1884FDIC Certificate 11183
Branches (19)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Heritage Bank (Main) | 110 E 9th St | Wood River, NE |
| PEOPLES-WEBSTER COUNTY BANK | 402 S Orleans Ave | Orleans, NE |
| ST. PAUL BRANCH | 821 2nd St | St. Paul, NE |
| WWW.BANKONHERITAGE.COM | 1101 12th St | Aurora, NE |
| AURORA-DRIVE-IN BRANCH | 1110 L St | Aurora, NE |
| GRAND ISLAND BRANCH | 1333 N Webb Rd | Grand Island, NE |
| NELIGH BRANCH | 305 Main St | Neligh, NE |
| SHERMAN COUNTY BANK BRANCH | 734 O St | Loup City, NE |
Showing 7 of 19
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1884 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 68883 |
| State and County Number | 31079 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Grand Island, NE |
Operational Info
| Number of Employees | 74 |
| Domestic Offices | 20 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 09/24/1952 |
| Primary Insurance Agency | DIF |
| Website | www.bankonheritage.com |
| Data Updated | 01/30/2026 |
| CERT | 17145 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $593.70M |
| Total Deposits | $399.15M |
| Total Liabilities | $460.93M |
| Total Equity Capital | $132.77M |
| Net Income | $4.01M |
| Net Loans and Leases | $265.59M |
| Assets Per Employee ($Millions) | $8.02M |
| Bank Premises and Fixed Assets | $4.21M |
| Cash and Balances due from Depository Institutions | $4.57M |
| Deposits Held in Domestic Offices | $399.15M |
Key Performance Ratios
| Return on Assets (ROA) | 2.72% |
| Return on Equity (ROE) | 12.23% |
| Net Interest Margin | 4.46% |
| Efficiency Ratio | 31.09% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 22.363% |
| Earning Assets to total Assets | 97.19% |
Income and Expense
| Total Interest Income | $7.70M |
| Total Noninterest Income | $1.18M |
| Total Interest Expense | $1.30M |
| Total Noninterest Expense | $2.36M |
| Net Interest Income | $6.40M |
| Pre-tax Net Operating Income | $5.10M |
| Provision for Credit Losses | $120.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $60.99M |
| All Other Liabilities | $785.00k |
| Total Liabilities and Capital | $593.70M |
Securities
| Securities | $310.26M |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $310.26M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Heritage Bank?
$593.70M as of the latest filing.
How much are Heritage Bank's total deposits?
$399.15M in total deposits.
Where is Heritage Bank located?
Wood River, NE.
What is the Net Interest Margin?
4.46%.
How many domestic offices does it operate?
20.
When was it established?
01/01/1884.
What is the Return on Assets (ROA)?
2.72%.
How much are total loans and leases?
$265.59M (latest filing).
What is the total interest income (latest filing)?
$7.70M.