C
Heritage Bank Minnesota
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Heritage Bank Minnesota
West Concord, MN
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Rating C
Asset Quality Index 5.00
Capitalization Index 5.80
Liquidity Index 0.70
Profitability Index 3.60
Stability Index 3.10
Company Info Heritage Bank Minnesota
West Concord, MN
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FDIC Number 8865
Phone Number (507) 527-2236
Website www.heritagebankmn.com/
Asset Quality Heritage Bank Minnesota
West Concord, MN
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1-Year Asset Growth 10.32%
5-Year Asset Growth 15.84%
5-Year Charge-Offs to Average Loans 0.07%
Charge-Offs to Average Loans -0.08%
Non-Performing Assets to Assets 0.23%
Non-Performing Loans to Capital 7.03%
Non-Performing Loans to Loans 0.29%
Balance Sheet Heritage Bank Minnesota
West Concord, MN
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Total Assets 112.10M
Total Deposits 101.99M
Capital and Reserves Heritage Bank Minnesota
West Concord, MN
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Capital 6.59M
Leverage Ratio 7.80
Loan Loss Reserves to Loans 0.96%
Risk-Based Capital Ratio 11.14
Liquidity Heritage Bank Minnesota
West Concord, MN
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Hot Money Ratio 23.21%
Liquidity Ratio 12.29%
Profitability Heritage Bank Minnesota
West Concord, MN
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5-Year Return on Average Assets 0.68%
Net Income 396.00K
Net Interest Spread 3.62%
Operating Profit to Average Assets 0.74%
Overhead Efficiency Ratio 75.59%
Return on Assets 0.74%
Return on Equity 12.10%