| Weiss Ratings |
Heritage Bank, National Association
Spicer, MN |
Click to Compare |
Click to Compare |
Click to Compare |
| Rating | ||||
| Asset Quality Index | 3.00 | |||
| Capitalization Index | 7.60 | |||
| Liquidity Index | 0.10 | |||
| Profitability Index | 1.40 | |||
| Stability Index | 3.80 | |||
| Company Info |
Heritage Bank, National Association
Spicer, MN |
Click to Compare |
Click to Compare |
Click to Compare |
| FDIC Number | 19254 | |||
| Phone Number | (320) 214-3903 | |||
| Website | www.heritagebankna.com | |||
| Asset Quality |
Heritage Bank, National Association
Spicer, MN |
Click to Compare |
Click to Compare |
Click to Compare |
| 1-Year Asset Growth | -25.28% | |||
| 5-Year Asset Growth | 4.04% | |||
| 5-Year Charge-Offs to Average Loans | 0.68% | |||
| Charge-Offs to Average Loans | 0.15% | |||
| Non-Performing Assets to Assets | 1.96% | |||
| Non-Performing Loans to Capital | 17.99% | |||
| Non-Performing Loans to Loans | 2.32% | |||
| Balance Sheet |
Heritage Bank, National Association
Spicer, MN |
Click to Compare |
Click to Compare |
Click to Compare |
| Total Assets | 436.50M | |||
| Total Deposits | 374.52M | |||
| Capital and Reserves |
Heritage Bank, National Association
Spicer, MN |
Click to Compare |
Click to Compare |
Click to Compare |
| Capital | 39.94M | |||
| Leverage Ratio | 9.39 | |||
| Loan Loss Reserves to Loans | 1.95% | |||
| Risk-Based Capital Ratio | 15.15 | |||
| Liquidity |
Heritage Bank, National Association
Spicer, MN |
Click to Compare |
Click to Compare |
Click to Compare |
| Hot Money Ratio | 37.01% | |||
| Liquidity Ratio | 12.24% | |||
| Profitability |
Heritage Bank, National Association
Spicer, MN |
Click to Compare |
Click to Compare |
Click to Compare |
| 5-Year Return on Average Assets | 0.71% | |||
| Net Income | 834.00K | |||
| Net Interest Spread | 3.22% | |||
| Operating Profit to Average Assets | 0.76% | |||
| Overhead Efficiency Ratio | 85.72% | |||
| Return on Assets | 0.75% | |||
| Return on Equity | 8.48% | |||