Bank Comparison
Heritage Bank Minnesota vs Cedar Valley Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 15
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Heritage Bank Minnesota | Cedar Valley Bank & Trust |
|---|---|---|
| CET1 Ratio | 10.30% | 12.14% |
| Tier 1 Capital Ratio | 10.30% | 12.14% |
| Total Capital Ratio | 11.41% | 13.07% |
| Tier 1 Leverage Ratio | 7.27% | 8.93% |
| Equity / Assets | 6.00% | 8.95% |
Profitability
| Metric | Heritage Bank Minnesota | Cedar Valley Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 0.75% | 1.21% |
| Return on Equity (ROE) | 12.44% | 13.74% |
| Net Interest Margin (NIM) | 3.64% | 4.45% |
| Yield on Earning Assets | 5.83% | 5.87% |
| Cost of Funds | 2.19% | 1.53% |
Asset quality
| Metric | Heritage Bank Minnesota | Cedar Valley Bank & Trust |
|---|---|---|
| Texas Ratio | 4.93% | 15.80% |
| Non-Performing Loan Ratio | 0.38% | 0.75% |
| Non-Performing Asset Ratio | 0.29% | 0.69% |
| Net Charge-Off Ratio | -0.01% | 0.06% |
| ACL / Loans | 0.99% | 0.74% |
Balance sheet
| Metric | Heritage Bank Minnesota | Cedar Valley Bank & Trust |
|---|---|---|
| Total Assets | $123,251K | $123,205K |
| Total Deposits | $107,550K | $111,835K |
| Total Loans | $95,725K | $112,809K |
| Total Equity | $7,391K | $11,025K |
| Net Income (quarter) | $228 | $375 |
Liquidity & funding
| Metric | Heritage Bank Minnesota | Cedar Valley Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 89.01% | 100.87% |
| Core Deposit Ratio | 85.64% | 90.61% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Heritage Bank Minnesota | Cedar Valley Bank & Trust |
|---|---|---|
| Headquarters City | WEST CONCORD | LA PORTE CITY |
| Headquarters State | MN | IA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 2 |
| Employees (FTE) | 19 | 18 |
| Established | June 2, 1930, midnight | July 6, 1906, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Heritage Bank Minnesota profile | View full Cedar Valley Bank & Trust profile | Browse all bank comparisons