Heritage Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans held for sale climbed 125.0% in Q2 2026, from $2.8M to $6.3M. It was the largest change from Q1 2026 among the key lines here. Among 221 Minnesota banks, Heritage Bank, N.A. sits 18th from the top on loan-to-deposit ratio, 107.66% as of Q2 2026. Heritage Bank, N.A. reported 107.66% on loan-to-deposit ratio for Q2 2026, 26.82 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $308.2M |
| Net loans and leases | $302.4M |
| Loans held for sale | $6.3M |
| Loans to total assets | 85.36% |
| Loan-to-deposit ratio | 107.66% |
| Net loans to equity capital | 7.99% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.18% |
| Multifamily (5+ residential) | 10.47% |
| Commercial and industrial | 8.87% |
| Consumer | 2.04% |
| Credit cards | 0.04% |
| Farm | 5.34% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 103.11% |
| Construction concentration (Tier 1 capital + allowance) | 8.08% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.06% |
| Interest income on loans | $4.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $490.3M | $440.6M | 12.46% | 9.84% | 7.18% |
| Q4 2023 | $481.6M | $461.0M | 12.30% | 8.17% | 6.18% |
| Q1 2024 | $450.6M | $469.7M | 12.57% | 8.53% | 5.53% |
| Q2 2024 | $442.5M | $427.9M | 11.90% | 9.33% | 4.69% |
| Q3 2024 | $418.7M | $410.5M | 11.88% | 10.07% | 4.08% |
| Q4 2024 | $407.1M | $410.0M | 11.64% | 9.75% | 3.34% |
| Q1 2025 | $363.2M | $374.5M | 10.88% | 10.08% | 2.91% |
| Q2 2025 | $354.1M | $357.2M | 11.32% | 9.90% | 2.40% |
| Q3 2025 | $338.3M | $342.3M | 12.20% | 9.33% | 2.03% |
| Q4 2025 | $322.5M | $336.7M | 12.77% | 9.51% | 1.72% |
| Q1 2026 | $305.6M | $306.1M | 12.75% | 8.91% | 1.51% |
| Q2 2026 | $308.2M | $286.3M | 13.18% | 8.87% | 2.04% |
Heritage Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Heritage Bank, N.A., freeSource: Call Report Schedule RC-C, 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, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19254) · FFIEC NIC profile (RSSD 901358)