FDIC Cert #18463 · Marion, Iowa · Est. 1899

Heritage Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$39M
Total assets
C
Health grade · Fair
-0.60%
Return on assets
17.2%
Tier 1 capital

Data updated July 2026

The verdict

Heritage Bank earns a PlainBankData health grade of C (56/100), with well-capitalized at 17.22% Tier 1, -0.60% ROA, 121% efficiency ratio.

#4,194
largest of 4,313 FDIC banks by assets
3rd
percentile by asset size, nationally
17.22%
Tier 1 ratio - above the 10% well-capitalized line
3rd
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 18463 · IA C · 56/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-C C (56/100)
  • BOTTOM-DECILE #3997/4307
  • PHOTO-FINISH First Service Bank · AR
  • TIER1-WELL 17.2% Tier 1
  • TEXAS-CLEAN 7.4% Texas
  • ROA-LOSS -0.60% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Iowa: First Service Bank, AR (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Heritage Bank

Lowest and highest poles plus nearest scored peers outside Iowa, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Carmine State Bank · TX · ne…56/100First Service Bank · AR · ne…56/100First Western Bank &… · ND ·…56/100Heritage Bank · IA · this ba…56/100Maine Community Bank · ME · …56/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Heritage Bank · July 2026

What Heritage Bank's Call Report plate shows

Heritage Bank (FDIC Cert #18463) carries a PlainBankData health grade of C at 56/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,997 of 4,307. Tier 1 capital prints at 17.22%, clearing the 10% well-capitalized line. The Texas Ratio is 7.42%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.60%. Balance-sheet scale is $39M, 4,194th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Service Bank (AR), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Heritage Bank

4 FAILURE resolutions in Iowa since 2000 (3 since 2008)

Heritage Bank's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Heritage Bank remains an active FDIC-insured reporter.

  • CITIZENS BANK SAC CITY, IA 2023 → IOWA TRUST & SAVINGS BANK
  • POLK COUNTY BANK JOHNSTON, IA 2011 → GRINNELL STATE BANK
  • VANTUS BANK SIOUX CITY, IA 2009 → GREAT SOUTHERN BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Iowa banks.

How Heritage Bank's 56/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10056/100
Heritage Bank's composite health score
Tier 1 Capital Ratio (17.22%) 40/40
Return on Assets (ROA) (-0.60%) 0/25
Texas Ratio (7.42%) 16/20
Efficiency Ratio (121.25%) 0/15

56 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$39M

Total balance-sheet footings

Total Deposits

$34M

Customer-funded liabilities

Net Loans

$19M

Outstanding loan book

Net Income

$-237K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 15.82% 17.22% 18.62%
Basel III capital ratios - Heritage Bank

Where Heritage Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Heritage Bank's score of 56/100 falls in the highlighted band.

Heritage Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

56 7th percentile higher than 7% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Heritage Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Heritage Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Heritage Bank's $39M falls in the highlighted band.

Safety ratios for Heritage Bank

Tier 1 capital ratio
Well-capitalized 10%

17.22% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
17.22%
Texas Ratio
7.42%
Equity Capital
$2M

What these ratios mean →

Profitability metrics: Heritage Bank

Return on Assets (ROA)
3rd percentile nationally
-0.60%
Return on Equity (ROE)
-11.48%
Efficiency Ratio
121.25%

What these mean →

Income & expense: loss period at Heritage Bank

$2M
Interest Income
$145K
Non-Interest Income
$1M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Heritage Bank reports a Texas Ratio of 7.42% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

7.42% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Heritage Bank

Heritage Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-237K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Heritage Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Heritage Bank on FDIC BankFind →

Top banks in Iowa by total assets

Largest banks headquartered in Iowa
  1. 1
    Principal Bank $9.3B

    Des Moines, IA · Grade A

  2. 2
    Bankers Trust Company $7.5B

    Des Moines, IA · Grade A

  3. 3
    MidWestOne Bank $6.3B

    Iowa City, IA · Grade A

  4. 4
    Hills Bank and Trust Company $4.6B

    Hills, IA · Grade A

  5. 5
    West Bank $4.1B

    West Des Moines, IA · Grade A

Top 5 banks in Iowa ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($39M here), outside Iowa so the neighborhood is not state containment.

Western National Bank $38M · MN The Farmers State Bank of Turton $39M · SD Credit First $39M · OH GS&L Municipal Bank $39M · NY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Heritage Bank (FDIC Cert #18463) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Heritage Bank Call Report profile · FDIC Failed Bank List · Iowa FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Iowa

All Iowa banks →
BankAssetsGradeROA
Principal BankDes Moines $9.3B A 1.24%
Bankers Trust CompanyDes Moines $7.5B A 1.10%
MidWestOne BankIowa City $6.3B A 1.12%
Hills Bank and Trust CompanyHills $4.6B A 1.33%
West BankWest Des Moines $4.1B A 0.94%
Northwest BankSpencer $3.0B B 1.03%
Cedar Rapids Bank and Trust CompanyCedar Rapids $2.9B A 2.83%
Quad City Bank and Trust CompanyBettendorf $2.7B A 1.30%