Heritage Bank Minnesota: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Heritage Bank Minnesota of West Concord, MN against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.90% | 1.34% | -0.44% | 28th below |
| ROAE | 14.92% | 13.32% | +1.60% | 65th above |
| Net Interest Margin | 3.84% | 3.93% | -0.09% | 45th below |
| Efficiency Ratio | 72.85% | 61.13% | +11.72% | 23rd bottom |
| PPNR / Avg Assets | 1.02% | 1.68% | -0.66% | 21st bottom |
| Yield on Earning Assets | 5.94% | 5.67% | +0.27% | 66th above |
| Cost of Funds | 2.20% | 1.88% | +0.32% | 26th below |
| Net Interest Spread | 3.28% | 3.32% | -0.04% | 48th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.40% | 0.94% | -0.54% | 51st above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.33% | 0.70% | -0.37% | 49th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.16% | -0.12% | 28th below |
| ACL / Total Loans | 0.99% | 1.28% | -0.29% | 24th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 248.60% | 1546.29% | -1297.69% | 54th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 7.23% | 7.34% | -0.11% | 30th below |
| Provision / NCO | 1200.00% | 1394.90% | -194.90% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 9.98% | 19.49% | -9.51% | 2nd bottom |
| Tier 1 Ratio | 9.98% | 19.52% | -9.54% | 2nd bottom |
| Total Capital Ratio | 11.04% | 20.61% | -9.57% | 2nd bottom |
| Leverage Ratio | 7.27% | 12.14% | -4.87% | 1st bottom |
| Equity / Assets | 6.44% | 11.37% | -4.93% | 4th bottom |
| TCE / Tangible Assets | 6.44% | 11.08% | -4.64% | 5th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.98% | 80.66% | +9.32% | 28th below |
| Core Deposit Ratio | 84.50% | 86.85% | -2.35% | 29th below |
| Wholesale Funding Ratio | 2.48% | 5.04% | -2.56% | 62nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.82% | 6.84% | +0.98% | 74th above |
| Loan Growth (Y/Y) | 12.50% | 7.92% | +4.58% | 81st top |
| Deposit Growth (Y/Y) | 7.64% | 6.29% | +1.35% | 74th above |
See Heritage Bank Minnesota's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Heritage Bank Minnesota, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Heritage Bank Minnesota profile, how to read a UBPR, or how this data updates.