Heritage Bank, National Association
Spicer, MN · Cert 19254 · Peer group: banks under $1B in assets operating regionally (n=94) · Heritage Bancshares Group Employee STK Ownership PLAN&TR
National charter · OCC · 5 branches
Q2 2026
$361.1MAssets
$308.2MLoans
$286.3MDeposits
$37.9MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 78% of banks under $1B in assets operating regionally (rank 21 of 94).
- Widest gap: return on equity trails 98% of banks under $1B in assets operating regionally (rank 92 of 94).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
-0.02%
Rank 92 of 94
Net Interest Margin
3.62%
Rank 61 of 94
Efficiency Ratio
106.18%
Rank 92 of 94
Equity / Assets
10.49%
Rank 42 of 94
Non-interest income vs. expense
Unfavorable gap of $14.2M · efficiency ratio beats 3% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.02% | 0.82% | 1.19% | 1.46% | Beats 2% | 92 / 94 | |
| Return on Equity | -0.17% | 7.85% | 11.84% | 14.03% | Beats 2% | 92 / 94 | |
| Net Interest Margin | 3.62% | 3.42% | 3.81% | 4.18% | Beats 35% | 61 / 94 | |
| Efficiency Ratio | 106.18% | 55.99% | 62.41% | 73.02% | Beats 3% | 92 / 94 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.84% | 0.19% | 0.47% | 1.14% | Beats 4% | 91 / 94 | |
| Net Charge-Offs / Loans | 0.08% | 0.00% | 0.02% | 0.05% | Beats 18% | 78 / 94 | |
| Capital |
| Tier 1 Capital Ratio | 15.33% | 10.28% | 11.95% | 15.07% | Beats 77% | 22 / 94 | |
| Total Risk-Based Capital Ratio | 16.59% | 10.31% | 12.59% | 15.88% | Beats 78% | 21 / 94 | |
| Equity / Assets | 10.49% | 8.98% | 10.21% | 11.41% | Beats 55% | 42 / 94 | |
| Liquidity & Funding |
| Loans / Deposits | 107.66% | 72.62% | 84.44% | 94.55% | 95th pctl | 5 / 94 | |
| Loans / Assets | 85.36% | 62.50% | 72.84% | 78.99% | 88th pctl | 11 / 94 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |