Heritage Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Heritage Bank, N.A. of Spicer, MN against its peer group of 2672 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 | 0.50% | 1.35% | -0.85% | 13th bottom |
| ROAE | 4.84% | 12.06% | -7.22% | 14th bottom |
| Net Interest Margin | 3.88% | 3.90% | -0.02% | 47th below |
| Efficiency Ratio | 99.84% | 63.14% | +36.70% | 3rd bottom |
| PPNR / Avg Assets | 0.01% | 1.64% | -1.63% | 3rd bottom |
| Yield on Earning Assets | 5.70% | 5.65% | +0.05% | 55th above |
| Cost of Funds | 1.99% | 1.85% | +0.14% | 38th below |
| Net Interest Spread | 3.25% | 3.35% | -0.10% | 46th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.75% | 0.92% | +2.83% | 4th bottom |
| NPA / Total Assets | 3.20% | 0.67% | +2.53% | 3rd bottom |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 50th above |
| ACL / Total Loans | 1.86% | 1.28% | +0.58% | 91st top |
| ACL / NPLs (Coverage) | 49.62% | 1645.82% | -1596.20% | 10th bottom |
| Texas Ratio | 27.16% | 7.14% | +20.02% | 4th bottom |
| Provision / NCO | -578.48% | 1190.27% | -1768.75% | 2nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.33% | 20.83% | -5.50% | 52nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.33% | 20.86% | -5.53% | 52nd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.59% | 21.94% | -5.35% | 53rd above |
| Leverage Ratio | 10.81% | 12.46% | -1.65% | 47th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.49% | 11.67% | -1.18% | 52nd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.49% | 11.40% | -0.91% | 57th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 107.66% | 78.63% | +29.03% | 5th bottom |
| Core Deposit Ratio | 91.68% | 87.09% | +4.59% | 65th above |
| Wholesale Funding Ratio | 8.84% | 5.11% | +3.73% | 18th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -13.12% | 6.48% | -19.60% | 1st bottom |
| Loan Growth (Y/Y) | -12.98% | 7.65% | -20.63% | 1st bottom |
| Deposit Growth (Y/Y) | -19.85% | 6.03% | -25.88% | 0th bottom |
See Heritage Bank, N.A.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Heritage Bank, N.A., 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, N.A. profile, how to read a UBPR, or how this data updates.