| Weiss Ratings |
Heritage Bank, National Association
Spicer, MN |
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| Rating | ||||
| Asset Quality Index | 1.90 | |||
| Capitalization Index | 8.50 | |||
| Liquidity Index | 0.10 | |||
| Profitability Index | 1.40 | |||
| Stability Index | 4.00 | |||
| Company Info |
Heritage Bank, National Association
Spicer, MN |
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| FDIC Number | 19254 | |||
| Phone Number | (320) 214-3903 | |||
| Website | www.heritagebankna.com | |||
| Asset Quality |
Heritage Bank, National Association
Spicer, MN |
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| 1-Year Asset Growth | -18.91% | |||
| 5-Year Asset Growth | -2.90% | |||
| 5-Year Charge-Offs to Average Loans | 0.68% | |||
| Charge-Offs to Average Loans | 0.30% | |||
| Non-Performing Assets to Assets | 2.74% | |||
| Non-Performing Loans to Capital | 23.47% | |||
| Non-Performing Loans to Loans | 3.34% | |||
| Balance Sheet |
Heritage Bank, National Association
Spicer, MN |
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| Total Assets | 392.86M | |||
| Total Deposits | 336.67M | |||
| Capital and Reserves |
Heritage Bank, National Association
Spicer, MN |
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| Capital | 38.55M | |||
| Leverage Ratio | 10.02 | |||
| Loan Loss Reserves to Loans | 1.95% | |||
| Risk-Based Capital Ratio | 15.95 | |||
| Liquidity |
Heritage Bank, National Association
Spicer, MN |
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| Hot Money Ratio | 33.81% | |||
| Liquidity Ratio | 12.84% | |||
| Profitability |
Heritage Bank, National Association
Spicer, MN |
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| 5-Year Return on Average Assets | 0.71% | |||
| Net Income | 806.00K | |||
| Net Interest Spread | 3.48% | |||
| Operating Profit to Average Assets | 0.19% | |||
| Overhead Efficiency Ratio | 94.98% | |||
| Return on Assets | 0.19% | |||
| Return on Equity | 2.06% | |||