HERITAGE BANK

MARION, IA | Micro | Est. March 1, 1899, midnight | FDIC #18463 | RSSD #225942 | FDIC
Latest Report: 2025-12-31

HERITAGE BANK is amn micro FDIC-insured commercial bank headquartered in MARION, IA, established in March 1, 1899, midnight. As of 2025-12-31, the bank reported total assets of $39M and total deposits of $34M. Profitability stands at -0.57% ROA and -10.22% ROE, with a net interest margin of 2.83%. The bank's CET1 capital ratio is 17.22%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.90% and a Texas Ratio of 7.42%. FDIC Certificate #18463.

Assets

$39M

Deposits

$34M

Loans

$19M

Equity

$2M

Profitability

Return on Assets (ROA) -0.57%
Return on Equity (ROE) -10.22%
Net Interest Margin (NIM) 2.83%
Yield on Assets 4.38%
Cost of Funds 2.18%

Asset Quality

NPL Ratio 0.90%
Net Charge-Off Ratio 0.01%
Texas Ratio 7.42%
NPA Ratio 0.45%
ACL / Loans 0.91%

Capital & Liquidity

CET1 Ratio 17.22%
Tier 1 Capital 17.22%
Total Capital Ratio 18.11%
Leverage Ratio 8.58%
Loan-to-Deposit 57.06%

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