Bank · FDIC insured
Heritage Bank
A $611.6M bank headquartered in Wood River, NE, with 16 branches in Nebraska. Best rates: CDs 3.75% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs673.75%for 9–15 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Heritage Bank
Founded in 1952 in Wood River, Nebraska when founder Chick Moyer acquired the Bank of Wood River, Heritage Bank is backed by holding company Heritage Group Inc.
The bank operates branches across thirteen Nebraska communities, offering agricultural banking and professional farm management alongside personal and commercial banking services.
- Headquarters
- 110 E 9th St, Wood River, NE 68883
- FDIC certificate
- 17145 ↗
Branches
16 branches in Nebraska
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Nebraska
16 branches
Grand Island area · 4
- Heritage BankMain office110 E 9th St, Wood River, NE 68883Directions
- Grand Island Branch1333 N Webb Rd, Grand Island, NE 68803Directions
- St. Paul Branch821 2nd St, St. Paul, NE 68873Directions
- Wood River Branch607 E 11th St, Wood River, NE 68883Directions
Aurora area · 2
- Aurora-Drive-In Branch1110 L St, Aurora, NE 68818Directions
- Heritage Bank1101 12th St, Aurora, NE 68818Directions
Hastings area · 2
- Hastings Main Branch800 W 3rd St, Hastings, NE 68901Directions
- Peoples-Webster County Bank Branch126 W 4th Ave, Red Cloud, NE 68970Directions
Norfolk area · 2
- Norfolk Branch2108 Taylor Ave., Norfolk, NE 68701Directions
- Norfolk Branch2108 Taylor Avenue Suite 850, Norfolk, NE 68701Directions
Broken Bow area · 1
- Broken Bow Branch2525 Heritage Dr, Broken Bow, NE 68822Directions
Kearney area · 1
- Heritage Bank Second Avenue315 W 60th St, Kearney, NE 68845Directions
Loup City area · 1
- Sherman County Bank Branch734 O St, Loup City, NE 68853Directions
Neligh area · 1
- Neligh Branch305 Main St, Neligh, NE 68756Directions
Orleans area · 1
- Peoples-Webster County Bank402 S Orleans Ave, Orleans, NE 68966Directions
Stromsburg area · 1
- Stromsburg Bank Branch200 E 3rd St, Stromsburg, NE 68666Directions
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 | 23.01% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.18% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 2.58% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $71 | $81 | — |
- CapitalLeverage ratio23.01%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.18%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets2.58%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$71Peers’ 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.