Total Assets
$393M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$337M
Customer-funded liabilities
Net Loans
$316M
Outstanding loan book
Net Income
$806K
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
8th percentile nationally
0.19%
Return on Equity (ROE)
2.07%
Efficiency Ratio
94.98%
What the numbers say about Heritage Bank National Association
Heritage Bank National Association is an FDIC-insured institution (Certificate #19254) headquartered in Spicer, Minnesota, established in 1964. It holds $393M in total assets - 2,108th of 4,313 FDIC-insured banks, $337M in customer deposits, and $316M in net loans. Looking at capital strength, Tier 1 stands at 14.68%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 24.18%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (52/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Minnesota, Heritage Bank National Association ranks 67th of 227 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in Minnesota by total assets
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.
Other banks in Minnesota
All Minnesota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Heritage Bank National Association's health grade?▼
Heritage Bank National Association receives a health grade of C (52/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Heritage Bank National Association?▼
Heritage Bank National Association holds $393M in total assets and $337M in deposits, ranking 2,108th of 4,313 FDIC-insured banks by asset size. It is headquartered in Spicer, Minnesota.
Is my money safe at Heritage Bank National Association?▼
Yes, deposits at Heritage Bank National Association (Certificate #19254) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Heritage Bank National Association's Tier 1 Capital Ratio?▼
Heritage Bank National Association has a Tier 1 Capital Ratio of 14.68%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Heritage Bank National Association?▼
Heritage Bank National Association has a Texas Ratio of 24.18%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Heritage Bank National Association?▼
Heritage Bank National Association has an Efficiency Ratio of 94.98%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Heritage Bank National Association's profile as a depositor or analyst.
- Heritage Bank National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Heritage Bank National Association against other Minnesota banks before moving funds. Minnesota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.