BlastPoint's Banking Scorecard
Heritage Bank National Association
Micro
Specialty: Commercial
MN
FDIC cert 19254
Designations: ✓ Community bank
Spicer, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Heritage Bank National Association has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.44% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 0.89% below tier
- - Efficiency Ratio 27.25% above tier
- - Delinquency Rate 2.79% above tier
- - Nonperforming Asset Ratio 2.31% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$392.9M
-18.9% YoY
-1.4% QoQ
|
+$175.4M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Top 13% in tier |
| Total Loans ? |
$316.2M
-20.9% YoY
-4.8% QoQ
|
+$177.0M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Top 5% in tier |
| Total Deposits ? |
$336.7M
-17.9% YoY
-1.7% QoQ
|
+$153.0M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Top 12% in tier |
| Return on Assets ? |
0.19%
+119.7% YoY
+3.7% QoQ
|
-0.89% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
3.51%
+8.9% YoY
-0.2% QoQ
|
-0.34% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
34% |
| Efficiency Ratio ? |
94.98%
+10.9% YoY
+0.1% QoQ
|
+27.25% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? |
3.43%
+62.9% YoY
+56.2% QoQ
|
+2.79% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
93.91%
-3.7% YoY
-3.2% QoQ
|
+19.39% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
18.34%
+16.0% YoY
+8.6% QoQ
|
-4.05% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
35% |
| Nonperforming Asset Ratio ? |
2.76%
+58.0% YoY
+48.9% QoQ
|
+2.31% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
14.68%
+23.8% YoY
+3.5% QoQ
|
+5.83% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
71% |
| Non-Interest Income / Assets ? |
1.01%
+99.6% YoY
+20.5% QoQ
|
+0.44% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 8%
in Micro
Why this stands out
Current:
1.01%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (4)
Return on Assets
metric
Bottom 10%
in Micro
Why this stands out
Current:
0.19%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
94.98%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.43%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.76%
(Tier avg: 0.45%, National avg: 0.48%)
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
95
95th pctile
Total Loans
Current: $316.2M · Tier avg: $139.2M
92
92th pctile
Non-Interest Income / Assets
Current: 1.01% · Tier avg: 0.56%
88
88th pctile
Total Deposits
Current: $336.7M · Tier avg: $183.7M
87
87th pctile
Total Assets
Current: $392.9M · Tier avg: $217.5M
71
71th pctile
Tier 1 Capital Ratio
Current: 14.68% · Tier avg: 8.85%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 18.34% · Tier avg: 22.39%
34
34th pctile
Net Interest Margin
Current: 3.51% · Tier avg: 3.85%
16
16th pctile
Loan-to-Deposit Ratio
Current: 93.91% · Tier avg: 74.53%
10
10th pctile
Return on Assets
Current: 0.19% · Tier avg: 1.08%
7
7th pctile
Efficiency Ratio
Current: 94.98% · Tier avg: 67.73%
0
0th pctile
Delinquency Rate
Current: 3.43% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.76% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.76% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 3.43% · Tier avg: 0.64%
7
7th pctile
Efficiency Ratio
Current: 94.98% · Tier avg: 67.73%
10
10th pctile
Return on Assets
Current: 0.19% · Tier avg: 1.08%
16
16th pctile
Loan-to-Deposit Ratio
Current: 93.91% · Tier avg: 74.53%
34
34th pctile
Net Interest Margin
Current: 3.51% · Tier avg: 3.85%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 18.34% · Tier avg: 22.39%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.68% · Tier avg: 8.85%
87
87th pctile
Total Assets
Current: $392.9M · Tier avg: $217.5M
88
88th pctile
Total Deposits
Current: $336.7M · Tier avg: $183.7M
92
92th pctile
Non-Interest Income / Assets
Current: 1.01% · Tier avg: 0.56%
95
95th pctile
Total Loans
Current: $316.2M · Tier avg: $139.2M