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 Heritage Bank National Association
Heritage Bank National Association
| RSSD ID 901358 | CERTIFICATE 19254 | ABA NUMBER 91914710 |
| 110 W South St |
Quarter Ended : |
2025-12-31 |
| Spicer, Minnesota, 56288 |
Updated : |
2026-01-26 |
| www.heritagebankna.com |
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| Institution Profile |
| Year Opened : |
1964 |
Institution Type : |
Commercial bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
Yes |
S-Corp : |
Yes |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
5 |
Number of Employees : |
87 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 392,856 |
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Total Interest Income | 23,551 |
| Total Liabilities | 354,306 |
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Total NonInterest Income | 3,955 |
| Total Bank Equity Capital | 38,550 |
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Total Interest Expense | 9,477 |
| Total Deposits | 336,674 |
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Total NonInterest Expense | 17,124 |
| Net Loans & Leases | 312,253 |
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Net Income | 806 |
| Loan Loss Allowance | 6,273 |
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Net Charge Offs | 1,052 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 43,335 |
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Total loans | 330,841 |
| Total assets for the leverage ratio | 398,153 |
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Loans secured by real estate: | 290,587 |
| Tier 1 Leverage Ratio | 10.02 |
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Commercial and industrial loans | 32,028 |
| Tier 1 Capital Ratio | 14.68 |
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Loans to individuals - Credit Cards | 133 |
| Total Capital Ratio | 15.95 |
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Loans to individuals - Other | 6,057 |
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:· Heritage Bank National Association
