HERITAGE BANK MINNESOTA

WEST CONCORD, MN | Small | Est. June 2, 1930, midnight | FDIC #8865 | RSSD #777254 | FDIC
Latest Report: 2025-12-31

HERITAGE BANK MINNESOTA is asn small FDIC-insured commercial bank headquartered in WEST CONCORD, MN, established in June 2, 1930, midnight. As of 2025-12-31, the bank reported total assets of $118M and total deposits of $105M. Profitability stands at 0.22% ROA and 3.50% ROE, with a net interest margin of 3.87%. The bank's CET1 capital ratio is 9.79%. Asset quality metrics show a non-performing loan ratio of 0.37% and a Texas Ratio of 4.38%. FDIC Certificate #8865.

Assets

$118M

Deposits

$105M

Loans

$97M

Equity

$7M

Profitability

Return on Assets (ROA) 0.22%
Return on Equity (ROE) 3.50%
Net Interest Margin (NIM) 3.87%
Yield on Assets 6.19%
Cost of Funds 2.28%

Asset Quality

NPL Ratio 0.37%
Net Charge-Off Ratio -0.03%
Texas Ratio 4.38%
NPA Ratio 0.30%
ACL / Loans 0.94%

Capital & Liquidity

CET1 Ratio 9.79%
Tier 1 Capital 9.79%
Total Capital Ratio 10.82%
Leverage Ratio 7.32%
Loan-to-Deposit 92.40%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required