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Heritage Bank, N.A. Locations & Branches Spicer, Minnesota
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Heritage Bank, N.A. operates 5 branches from its headquarters in Spicer, MN, .
Heritage Bank, N.A. branch network
Its 5 branches span 2 states and 5 cities. The most are in MINNESOTA (4) and SOUTH DAKOTA (1). MINNESOTA holds 97.9% of its branch deposits. Its largest office by deposits is the Willmar Branch office in Willmar, MN, with $169.8M (59.3% of its branch deposits). It had the same number of branches on June 30, 2025.
Heritage Bank, N.A. at a glance
Its CET1 capital ratio was 15.33% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $361.1M
- CET1 ratio, Q2 2026
- 15.33%
- Deposit insurance
- FDIC
- Regulator
- OCC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1964
Full financial profile · Is Heritage Bank, N.A. safe? · Heritage Bank, N.A. call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Spicer, MN (1 branch) | 2 of 2 | 41.0% | $48.5M |
| State: MN (4 branches) | 111 of 277 | <0.1% | $280.2M |
Ranked by total assets among banks headquartered in the state: Largest banks in Minnesota.
Share by county and metro area
Heritage Bank, N.A.'s share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Kandiyohi, MN (4 branches) | 2 of 13 | 16.6% | $280.2M | $1.69B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Willmar, MN (4 branches) | 2 of 13 | 16.6% | $280.2M | $1.69B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Willmar Branch | Willmar, MN | 56201 | $169.8M |
| Heritage Bank National Association | Spicer, MN | 56288 | $48.5M |
| Pennock Branch | Pennock, MN | 56279 | $38.5M |
| Raymond Branch | Raymond, MN | 56282 | $23.3M |
| Sioux Falls Branch | Sioux Falls, SD | 57104 | $6.1M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 19254) · FFIEC NIC profile (RSSD 901358)