FDIC Cert #19254 · Spicer, Minnesota · Est. 1964

Heritage Bank National Association - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$393M
Total assets
C
Health grade · Fair
0.19%
Return on assets
14.7%
Tier 1 capital

Data updated July 2026

The verdict

Heritage Bank National Association earns a PlainBankData health grade of C (52/100), with well-capitalized at 14.68% Tier 1, 0.19% ROA, 95% efficiency ratio.

#2,108
largest of 4,313 FDIC banks by assets
51st
percentile by asset size, nationally
14.68%
Tier 1 ratio - above the 10% well-capitalized line
8th
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 19254 · MN C · 52/100

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

  • GRADE-C C (52/100)
  • BOTTOM-DECILE #4081/4307
  • PHOTO-FINISH First Secure Bank an… · IL
  • TIER1-WELL 14.7% Tier 1
  • TEXAS-HEALTHY 24.2% Texas
  • ROA-THIN 0.19% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Minnesota: First Secure Bank and Trust Co., IL (±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 Minnesota, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Secure Bank an… · IL ·…52/100Generations Bank · NE · near52/100Heritage Bank Nation… · MN ·…52/100Peoples Savings Bank · IA · …52/100The New Washington S… · IN ·…52/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Heritage Bank · July 2026

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

Heritage Bank National Association (FDIC Cert #19254) carries a PlainBankData health grade of C at 52/100, 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 #4,081 of 4,307. Tier 1 capital prints at 14.68%, clearing the 10% well-capitalized line. The Texas Ratio is 24.18%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.19%. Balance-sheet scale is $393M, 2,108th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Secure Bank and Trust Co. (IL), 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

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

Heritage Bank National Association 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 National Association'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 National Association's 52/100 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 avg77/10052/100
Heritage Bank National Association's composite health score
Tier 1 Capital Ratio (14.68%) 35/40
Return on Assets (ROA) (0.19%) 7/25
Texas Ratio (24.18%) 10/20
Efficiency Ratio (94.98%) 0/15

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

Balance sheet at a glance

Total Assets

$393M

Total balance-sheet footings

Total Deposits

$337M

Customer-funded liabilities

Net Loans

$316M

Outstanding loan book

Net Income

$806K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.28% 14.68% 16.08%
Basel III capital ratios - Heritage Bank National Association

Where Heritage Bank National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Heritage Bank National Association's score of 52/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

52 5th percentile higher than 5% 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 National Association'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 National Association's $393M falls in the highlighted band.

Capital & credit buffers at Heritage Bank

Tier 1 capital ratio
Well-capitalized 10%

14.68% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
14.68%
Texas Ratio
24.18%
Equity Capital
$39M

What these ratios mean →

Profitability metrics: Heritage Bank

Return on Assets (ROA)
8th percentile nationally
0.19%
Return on Equity (ROE)
2.07%
Efficiency Ratio
94.98%

What these mean →

Income & expense at Heritage Bank

$24M
Interest Income
$4M
Non-Interest Income
$17M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Heritage Bank National Association reports a Texas Ratio of 24.18% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

24.18% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Heritage Bank National Association 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 ($393M here), outside Minnesota so the neighborhood is not state containment.

Farmers State Bank $393M · MO Native American Bank $393M · CO San Luis Valley Federal Bank $393M · CO Bank of the Bluegrass and Trust Compa… $393M · KY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Heritage Bank National Association (FDIC Cert #19254) - 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 National Association 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%