| Weiss Ratings |
Heritage Bank, National Association
Spicer, MN |
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| Rating | ||||
| Asset Quality Index | 3.40 | |||
| Capitalization Index | 8.30 | |||
| Liquidity Index | 0.10 | |||
| Profitability Index | 1.20 | |||
| Stability Index | 3.90 | |||
| 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 | -22.37% | |||
| 5-Year Asset Growth | 4.04% | |||
| 5-Year Charge-Offs to Average Loans | 0.68% | |||
| Charge-Offs to Average Loans | 0.43% | |||
| Non-Performing Assets to Assets | 1.74% | |||
| Non-Performing Loans to Capital | 15.08% | |||
| Non-Performing Loans to Loans | 2.02% | |||
| Balance Sheet |
Heritage Bank, National Association
Spicer, MN |
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| Total Assets | 415.56M | |||
| Total Deposits | 357.16M | |||
| Capital and Reserves |
Heritage Bank, National Association
Spicer, MN |
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| Capital | 39.74M | |||
| Leverage Ratio | 9.84 | |||
| Loan Loss Reserves to Loans | 1.85% | |||
| Risk-Based Capital Ratio | 15.60 | |||
| Liquidity |
Heritage Bank, National Association
Spicer, MN |
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| Hot Money Ratio | 34.18% | |||
| Liquidity Ratio | 9.87% | |||
| Profitability |
Heritage Bank, National Association
Spicer, MN |
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| 5-Year Return on Average Assets | 0.71% | |||
| Net Income | 422.00K | |||
| Net Interest Spread | 3.44% | |||
| Operating Profit to Average Assets | 0.19% | |||
| Overhead Efficiency Ratio | 94.71% | |||
| Return on Assets | 0.19% | |||
| Return on Equity | 2.13% | |||