BlastPoint's Banking Scorecard
Heritage Bank
Micro
Specialty: Other
IA
FDIC cert 18463
Designations: ✓ Community bank
Marion, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Heritage Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.68% below tier
- - Net Interest Margin 1.23% below tier
- - Efficiency Ratio 53.53% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$38.6M
-5.1% YoY
-2.1% QoQ
|
-$178.9M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 5% in tier |
| Total Loans ? |
$19.2M
-2.2% YoY
-2.4% QoQ
|
-$120.0M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$33.9M
-4.1% YoY
+2.1% QoQ
|
-$149.7M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 6% in tier |
| Return on Assets ? |
-0.60%
-2.3% YoY
+1.2% QoQ
|
-1.68% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
2.62%
+0.8% YoY
+1.4% QoQ
|
-1.23% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
121.25%
+0.7% YoY
-0.9% QoQ
|
+53.53% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% in tier |
| Delinquency Rate ? |
0.91%
+1.9% QoQ
|
+0.27% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
56.54%
+2.0% YoY
-4.5% QoQ
|
-17.99% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
24.74%
+14.0% YoY
+6.2% QoQ
|
+2.35% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.45%
+1.6% QoQ
|
0 |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
17.22%
-1.4% QoQ
|
+8.37% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.38%
+15.8% YoY
+41.1% QoQ
|
-0.19% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
52% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Return on Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
-0.60%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.62%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
121.25%
(Tier avg: 67.73%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
80
80th pctile
Loan-to-Deposit Ratio
Current: 56.54% · Tier avg: 74.53%
79
79th pctile
Tier 1 Capital Ratio
Current: 17.22% · Tier avg: 8.85%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 24.74% · Tier avg: 22.39%
52
52th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.45%
31
31th pctile
Delinquency Rate
Current: 0.91% · Tier avg: 0.64%
7
7th pctile
Net Interest Margin
Current: 2.62% · Tier avg: 3.85%
6
6th pctile
Total Loans
Current: $19.2M · Tier avg: $139.2M
6
6th pctile
Total Deposits
Current: $33.9M · Tier avg: $183.7M
5
5th pctile
Total Assets
Current: $38.6M · Tier avg: $217.5M
3
3th pctile
Return on Assets
Current: -0.60% · Tier avg: 1.08%
2
2th pctile
Efficiency Ratio
Current: 121.25% · Tier avg: 67.73%
Top Weaknesses
2
2th pctile
Efficiency Ratio
Current: 121.25% · Tier avg: 67.73%
3
3th pctile
Return on Assets
Current: -0.60% · Tier avg: 1.08%
5
5th pctile
Total Assets
Current: $38.6M · Tier avg: $217.5M
6
6th pctile
Total Deposits
Current: $33.9M · Tier avg: $183.7M
6
6th pctile
Total Loans
Current: $19.2M · Tier avg: $139.2M
7
7th pctile
Net Interest Margin
Current: 2.62% · Tier avg: 3.85%
31
31th pctile
Delinquency Rate
Current: 0.91% · Tier avg: 0.64%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.45%
52
52th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 24.74% · Tier avg: 22.39%
79
79th pctile
Tier 1 Capital Ratio
Current: 17.22% · Tier avg: 8.85%
80
80th pctile
Loan-to-Deposit Ratio
Current: 56.54% · Tier avg: 74.53%