Heritage Bank National Association
Spicer, MN
IDRSSD: 901358
Total Assets
$398.40M
Latest filing
Total Deposits
$342.34M
Latest filing
Net Interest Margin
3.72%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Heritage Bank National Association
110 W South St
Spicer, MN 56288
Full Service - Brick and Mortar
Updated 11/14/2025Established 10/08/1964FDIC Certificate 13069
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Heritage Bank National Association (Main) | 110 W South St | Spicer, MN |
| RAYMOND BRANCH | 202 Cofield St N | Raymond, MN |
| WILLMAR BRANCH | 310 1st St Sw | Willmar, MN |
| SIOUX FALLS BRANCH | 140 N Phillips Ave | Sioux Falls, SD |
| PENNOCK BRANCH | 242 N 1st St | Pennock, MN |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 10/08/1964 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 56288 |
| State and County Number | 27067 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Willmar, MN |
Operational Info
| Number of Employees | 83 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/17/2025 |
| Date of Deposit Insurance | 10/08/1964 |
| Primary Insurance Agency | DIF |
| Website | www.heritagebankna.com |
| Data Updated | 11/14/2025 |
| CERT | 19254 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $398.40M |
| Total Deposits | $342.34M |
| Total Liabilities | $360.24M |
| Total Equity Capital | $38.17M |
| Net Income | $172.00k |
| Net Loans and Leases | $331.96M |
| Assets Per Employee ($Millions) | $4.58M |
| Bank Premises and Fixed Assets | $4.00M |
| Cash and Balances due from Depository Institutions | $21.20M |
| Deposits Held in Domestic Offices | $342.34M |
Key Performance Ratios
| Return on Assets (ROA) | 0.17% |
| Return on Equity (ROE) | 1.77% |
| Net Interest Margin | 3.72% |
| Efficiency Ratio | 95.32% |
| Tier 1 Risk-Based Capital Ratio | 14.194% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.02% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.58% |
| Earning Assets to total Assets | 93.98% |
Income and Expense
| Total Interest Income | $5.74M |
| Total Noninterest Income | $595.00k |
| Total Interest Expense | $2.19M |
| Total Noninterest Expense | $3.95M |
| Net Interest Income | $3.55M |
| Pre-tax Net Operating Income | $172.00k |
| Provision for Credit Losses | $22.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $96.00k |
| Other borrowed funds | $13.05M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.84M |
| Total Liabilities and Capital | $398.40M |
Securities
| Securities | $28.11M |
| Available-for-sale debt securities | $25.18M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $2.92M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Heritage Bank National Association?
$398.40M as of the latest filing.
How much are Heritage Bank National Association's total deposits?
$342.34M in total deposits.
Where is Heritage Bank National Association located?
Spicer, MN.
What is the Net Interest Margin?
3.72%.
How many domestic offices does it operate?
5.
When was it established?
10/08/1964.
What is the Return on Assets (ROA)?
0.17%.
How much are total loans and leases?
$331.96M (latest filing).
What is the total interest income (latest filing)?
$5.74M.