Heritage Bank Minnesota: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 13.11 percentage points lower than in Q1 2026, at 248.60%. Within Minnesota, Heritage Bank Minnesota is 178th of 221 on return on assets, 0.90% as of Q2 2026, below the middle of the field. Heritage Bank Minnesota reported 0.90% on return on assets for Q2 2026, 0.35 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 9.98% |
| Tier 1 risk-based capital ratio | 9.98% |
| Total risk-based capital ratio | 11.04% |
| Tier 1 leverage ratio | 7.27% |
| Equity capital to assets | 6.44% |
| Tangible equity to tangible assets | 6.44% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.40% |
| Non-performing assets ratio | 0.33% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 7.23% |
| Allowance for credit losses to loans | 0.99% |
| Reserve coverage of non-performing loans | 248.60% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.90% |
| Return on equity | 14.92% |
| Net interest margin | 3.84% |
| Efficiency ratio | 72.85% |
| Yield on earning assets | 5.94% |
| Cost of funds | 2.20% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.98% |
| Core deposits to total deposits | 84.50% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.83% |
| Securities to assets | 8.68% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.54% | 12.54% | 13.53% | 8.13% | 0.42% |
| Q4 2023 | 10.74% | 10.74% | 11.64% | 7.94% | 0.40% |
| Q1 2024 | 11.63% | 11.63% | 12.63% | 7.80% | 0.70% |
| Q2 2024 | 10.90% | 10.90% | 11.90% | 7.78% | 0.74% |
| Q3 2024 | 10.86% | 10.86% | 11.85% | 7.96% | 0.79% |
| Q4 2024 | 10.57% | 10.57% | 11.52% | 7.91% | -0.18% |
| Q1 2025 | 10.52% | 10.52% | 11.55% | 7.92% | 0.79% |
| Q2 2025 | 10.13% | 10.13% | 11.14% | 7.80% | 0.70% |
| Q3 2025 | 9.96% | 9.96% | 10.97% | 7.61% | 0.97% |
| Q4 2025 | 9.79% | 9.79% | 10.82% | 7.32% | 0.21% |
| Q1 2026 | 10.30% | 10.30% | 11.41% | 7.27% | 0.75% |
| Q2 2026 | 9.98% | 9.98% | 11.04% | 7.27% | 0.90% |
Heritage Bank Minnesota vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Heritage Bank Minnesota, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Heritage Bank Minnesota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8865) · FFIEC NIC profile (RSSD 777254)