Heritage Bank, N.A.
Heritage Bank, N.A. is the primary bank subsidiary of its parent holding company, headquartered in Spicer, MN. As of Q1 2026, the bank held approximately $361M in total assets and $306M in deposits. Earnings turned negative this period, with ROA at -0.53%. Capital is comfortably above regulatory minimums — CET1 ratio of 15.61% sits well above the 7% well-capitalized threshold. Asset quality is impaired, with nonperforming loans at 3.44%. 5 branches make up the footprint.
Headquarters Profile
- Address
- 110 W South St, SPICER, MN 56288
- County
- Kandiyohi
- Metro Area
- WILLMAR, MN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- Fed District
- 11
- Established
- October 8, 1964
- Branches
- 5 domestic
- Employees (FTE)
- 91
- FDIC Cert
- 19254
- Fed RSSD
- 901358
- Website
- www.heritagebankna.com →
- Parent Holding Company
- HERITAGE BANCSHARES GROUP, INC. (RSSD 2144739)
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
Heritage Bank, N.A. rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Similar banks
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Frequently asked about Heritage Bank, N.A.
What are Heritage Bank, N.A.'s total assets?
As of the Q1 2026 filing, Heritage Bank, N.A. reported total assets of $360.8 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Heritage Bank, N.A. headquartered?
Heritage Bank, N.A. is headquartered in SPICER, MN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Heritage Bank, N.A. founded?
Heritage Bank, N.A. was established in 1964, per the FDIC institution directory.
Is Heritage Bank, N.A. FDIC-insured?
Yes. Heritage Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #19254). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Heritage Bank, N.A.?
Heritage Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Heritage Bank, N.A.'s CET1 capital ratio?
Heritage Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 15.61% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Heritage Bank, N.A. operate?
Heritage Bank, N.A. operates 5 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Heritage Bank, N.A.'s Texas Ratio?
Heritage Bank, N.A.'s Texas Ratio is 24.24% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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