Heritage Bank Minnesota
West Concord, MN · Cert 8865 · Peer group: banks under $1B in assets (n=581-629) · West Concord Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$120.9MAssets
$98.8MLoans
$109.8MDeposits
$7.8MEquity
Executive Summary
- Strongest standing: return on equity outperforms 55% of banks under $1B in assets (rank 282 of 629).
- Widest gap: equity / assets trails 97% of banks under $1B in assets (rank 611 of 629).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.66%
Rank 451 of 629
Net Interest Margin
3.43%
Rank 350 of 629
Efficiency Ratio
74.43%
Rank 419 of 629
Equity / Assets
6.44%
Rank 611 of 629
Non-interest income vs. expense
Unfavorable gap of $3.1M · efficiency ratio beats 34% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.66% | 0.60% | 1.01% | 1.45% | Beats 28% | 451 / 629 | | |
| Return on Equity | 10.31% | 5.38% | 9.30% | 13.28% | Beats 55% | 282 / 629 | | |
| Net Interest Margin | 3.43% | 3.03% | 3.54% | 4.05% | Beats 44% | 350 / 629 | | |
| Efficiency Ratio | 74.43% | 58.35% | 67.79% | 79.08% | Beats 34% | 419 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.64% | 0.09% | 0.46% | 1.20% | Beats 41% | 342 / 581 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 50% | 293 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 9.98% | 11.24% | 13.84% | 18.77% | Beats 11% | 561 / 629 | | |
| Total Risk-Based Capital Ratio | 11.04% | 11.58% | 14.43% | 19.66% | Beats 19% | 507 / 629 | | |
| Equity / Assets | 6.44% | 9.09% | 10.65% | 13.80% | Beats 3% | 611 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.98% | 67.24% | 80.90% | 93.48% | 69th pctl | 185 / 594 | | |
| Loans / Assets | 81.73% | 53.31% | 67.71% | 78.15% | 85th pctl | 92 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |