| Weiss Ratings |
Heritage Bank, National Association
Spicer, MN |
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| Rating | ||||
| Asset Quality Index | 1.90 | |||
| Capitalization Index | 9.70 | |||
| Liquidity Index | 0.50 | |||
| Profitability Index | 1.50 | |||
| Stability Index | 4.30 | |||
| 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 | -13.12% | |||
| 5-Year Asset Growth | -2.90% | |||
| 5-Year Charge-Offs to Average Loans | 0.71% | |||
| Charge-Offs to Average Loans | 0.05% | |||
| Non-Performing Assets to Assets | 3.20% | |||
| Non-Performing Loans to Capital | 26.26% | |||
| Non-Performing Loans to Loans | 3.75% | |||
| Balance Sheet |
Heritage Bank, National Association
Spicer, MN |
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| Total Assets | 361.06M | |||
| Total Deposits | 286.26M | |||
| Capital and Reserves |
Heritage Bank, National Association
Spicer, MN |
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| Capital | 37.88M | |||
| Leverage Ratio | 10.81 | |||
| Loan Loss Reserves to Loans | 1.86% | |||
| Risk-Based Capital Ratio | 16.59 | |||
| Liquidity |
Heritage Bank, National Association
Spicer, MN |
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| Hot Money Ratio | 19.34% | |||
| Liquidity Ratio | 9.48% | |||
| Profitability |
Heritage Bank, National Association
Spicer, MN |
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| 5-Year Return on Average Assets | 0.42% | |||
| Net Income | -33.00K | |||
| Net Interest Spread | 3.73% | |||
| Operating Profit to Average Assets | -0.02% | |||
| Overhead Efficiency Ratio | 106.18% | |||
| Return on Assets | -0.02% | |||
| Return on Equity | -0.17% | |||