Bank · FDIC insured
Heritage Bank
A $324.9M bank headquartered in Topeka, KS, with 3 branches in Kansas. Best rates: CDs 2.78% and savings 0.10% APY.
Heritage Bank Carrot Score
61
Carrot Score
Higher than 4% of U.S. banks and credit unions
#22 of 23 in Topeka, KS metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Heritage Bank
- Headquarters
- 3024 Sw Wanamaker Rd, Topeka, KS 66614
- FDIC certificate
- 57548 ↗
Branches
3 branches in Kansas
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Kansas
3 branches
- Heritage BankMain office3024 Sw Wanamaker Rd, Topeka, KS 66614Directions
- Fidelity State Bank And Trust Company Branch600 S Kansas Ave, Topeka, KS 66603Directions
- Westridge Branch5926 Sw 21st St, Topeka, KS 66604Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.94% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.28% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.74% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $85 | $81 | — |
- CapitalLeverage ratio9.94%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.28%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.74%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$85Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Heritage Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.