BanksHERITAGE BANK

HERITAGE BANK

MARION, IAMicroEst. March 1, 1899, midnightFDIC #18463RSSD #225942FDIC
Latest · 2025-12-31

HERITAGE BANK is an 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%. CET1 capital ratio: 17.22%, well above regulatory minimums. NPL ratio: 0.90% · Texas Ratio: 7.42%. Operates 3 domestic branches.

Assets
$39M
Deposits
$34M
Loans
$19M
Equity
$2M

Profitability

Return on Assets (ROA)-0.57%
Return on Equity (ROE)-10.22%
Net Interest Margin2.83%
Yield on Assets4.38%
Cost of Funds1.64%

Asset Quality

NPL Ratio0.90%
Net Charge-Off Ratio0.01%
Texas Ratio7.42%
NPA Ratio0.45%
ACL / Loans0.91%

Capital & Liquidity

CET1 Ratio17.22%
Tier 1 Capital17.22%
Total Capital Ratio18.11%
Leverage Ratio8.58%
Loan-to-Deposit57.06%

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