FDIC Cert #8865 · West Concord, Minnesota · Est. 1930

Heritage Bank Minnesota - FDIC Bank Health Profile

A community-scale look at Heritage Bank Minnesota's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$118M
Total assets
C
Health grade · Fair
0.67%
Return on assets
9.8%
Tier 1 capital

Data updated July 2026

The verdict

Heritage Bank Minnesota earns a PlainBankData health grade of C (56/100), with 9.79% Tier 1 capital, 0.67% ROA, 79% efficiency ratio.

#3,599
largest of 4,313 FDIC banks by assets
17th
percentile by asset size, nationally
9.79%
Tier 1 ratio - below the 10% well-capitalized line
23rd
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 8865 · MN C · 56/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-C C (56/100)
  • BOTTOM-DECILE #3987/4307
  • PHOTO-FINISH Waldo State Bank · WI
  • TIER1-ADEQ 9.8% Tier 1
  • TEXAS-CLEAN 4.6% Texas
  • ROA-THIN 0.67% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Minnesota: Waldo State Bank, WI (±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 Minnesota

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

Morgan Stanley Bank,… · UT ·…100/100Cleveland State Bank · WI · …56/100Fairfax State Saving… · IA ·…56/100Heritage Bank Minnes… · MN ·…56/100Movement Bank · VA · near56/100Waldo State Bank · WI · near56/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Heritage Bank Minnesota · July 2026

Call Report read for Heritage Bank Minnesota in a high-failure state

Heritage Bank Minnesota (FDIC Cert #8865) 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 #3,987 of 4,307. Tier 1 capital prints at 9.79%, missing the 10% well-capitalized line. The Texas Ratio is 4.62%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.67%. Balance-sheet scale is $118M, 3,599th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Waldo State Bank (WI), 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 Minnesota

24 FAILURE resolutions in Minnesota since 2000, heavy vs the state corpus

Heritage Bank Minnesota sits in one of the heavier post-2000 FAILURE states (24 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about Heritage Bank Minnesota's current Call Report.

  • NORTHERN STAR BANK MANKATO, MN 2014 → BANKVISTA
  • 1ST REGENTS BANK ANDOVER, MN 2013 → FIRST MINNESOTA BANK
  • FIRST COMMERCIAL BANK BLOOMINGTON, MN 2012 → REPUBLIC BANK & TRUST COMPANY

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

How Heritage Bank Minnesota'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 Minnesota's composite health score
Tier 1 Capital Ratio (9.79%) 18/40
Return on Assets (ROA) (0.67%) 14/25
Texas Ratio (4.62%) 20/20
Efficiency Ratio (78.57%) 4/15

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

Balance sheet at a glance

Total Assets

$118M

Total balance-sheet footings

Total Deposits

$105M

Customer-funded liabilities

Net Loans

$96M

Outstanding loan book

Net Income

$734K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.39% 9.79% 11.19%
Basel III capital ratios - Heritage Bank Minnesota

Where Heritage Bank Minnesota ranks

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

Heritage Bank Minnesota: 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 Minnesota 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 Minnesota'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 Minnesota's $118M falls in the highlighted band.

Capital & credit buffers at Heritage Bank Minnesota

Tier 1 capital ratio
Well-capitalized 10%

9.79% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.79%
Texas Ratio
4.62%
Equity Capital
$7M

What these ratios mean →

Profitability metrics: Heritage Bank Minnesota

Return on Assets (ROA)
23rd percentile nationally
0.67%
Return on Equity (ROE)
10.81%
Efficiency Ratio
78.57%

What these mean →

Income & expense at Heritage Bank Minnesota

$6M
Interest Income
$263K
Non-Interest Income
$3M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Heritage Bank Minnesota reports a Texas Ratio of 4.62% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.62% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

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

Top banks in Minnesota by total assets

Largest banks headquartered in Minnesota
  1. 1
    Ameriprise Bank, FSB $25.3B

    Minneapolis, MN · Grade A

  2. 2
    Bridgewater Bank $5.4B

    Saint Louis Park, MN · Grade A

  3. 3
    Frandsen Bank & Trust $3.7B

    Lonsdale, MN · Grade A

  4. 4
    Stearns Bank $3.3B

    Saint Cloud, MN · Grade A

  5. 5
    Minnwest Bank $3.0B

    Redwood Falls, MN · Grade B

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($118M here), outside Minnesota so the neighborhood is not state containment.

Headwaters State Bank $117M · WI Turtle Mountain State Bank $117M · ND TPNB Bank $118M · MO The Commercial Bank Of Ozark $118M · AL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Heritage Bank Minnesota (FDIC Cert #8865) - 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 Minnesota Call Report profile · FDIC Failed Bank List · Minnesota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Minnesota

All Minnesota banks →
BankAssetsGradeROA
Ameriprise Bank, FSBMinneapolis $25.3B A 3.08%
Bridgewater BankSaint Louis Park $5.4B A 0.99%
Frandsen Bank & TrustLonsdale $3.7B A 1.48%
Stearns Bank National AssociationSaint Cloud $3.3B A 1.85%
Minnwest BankRedwood Falls $3.0B B 0.92%
Merchants Bank, National AssociationWinona $2.9B A 1.23%
Tradition Capital BankWayzata $2.6B B 0.71%
Think Mutual BankRochester $2.2B B 0.61%