HERITAGE BANK, NATIONAL ASSOCIATION is asn small FDIC-insured commercial bank headquartered in SPICER, MN, established in Oct. 8, 1964, midnight. As of 2025-12-31, the bank reported total assets of $393M and total deposits of $337M. Profitability stands at 0.21% ROA and 2.21% ROE, with a net interest margin of 3.63%. The bank's CET1 capital ratio is 14.68%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.34% and a Texas Ratio of 24.03%. FDIC Certificate #19254.
Assets
$393M
Deposits
$337M
Loans
$322M
Equity
$39M
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