Heritage Bank National Association
Spicer, MN
IDRSSD: 901358
Total Assets
$392.86M
Latest filing
Total Deposits
$336.67M
Latest filing
Net Interest Margin
3.54%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
091915133WEST CONCORD, MN
Key People
Loading leadership data...
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 01/30/2026Established 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
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Peoples State Bank of Plainview
Plainview, Minnesota
→
Assets: $400.09MΔ +0.4%
My Kind of Bank, National Association
Ottertail, Minnesota
→
Assets: $400.98MΔ +0.6%
North Star Bank
Roseville, Minnesota
→
Assets: $401.36MΔ +0.7%
BankCherokee
Saint Paul, Minnesota
→
Assets: $402.22MΔ +1.0%
Pine Country Bank
Little Falls, Minnesota
→
Assets: $388.92MΔ -2.4%
First State Bank Southwest
Pipestone, Minnesota
→
Assets: $387.42MΔ -2.8%
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 | 87 |
| 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 | 01/30/2026 |
| CERT | 19254 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $392.86M |
| Total Deposits | $336.67M |
| Total Liabilities | $354.31M |
| Total Equity Capital | $38.55M |
| Net Income | $212.00k |
| Net Loans and Leases | $316.18M |
| Assets Per Employee ($Millions) | $4.52M |
| Bank Premises and Fixed Assets | $3.93M |
| Cash and Balances due from Depository Institutions | $32.79M |
| Deposits Held in Domestic Offices | $336.67M |
Key Performance Ratios
| Return on Assets (ROA) | 0.21% |
| Return on Equity (ROE) | 2.21% |
| Net Interest Margin | 3.54% |
| Efficiency Ratio | 95.31% |
| Tier 1 Risk-Based Capital Ratio | 14.684% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.813% |
| Earning Assets to total Assets | 94.35% |
Income and Expense
| Total Interest Income | $5.46M |
| Total Noninterest Income | $626.00k |
| Total Interest Expense | $2.16M |
| Total Noninterest Expense | $3.74M |
| Net Interest Income | $3.30M |
| Pre-tax Net Operating Income | $212.00k |
| Provision for Credit Losses | $-28,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $12.41M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.23M |
| Total Liabilities and Capital | $392.86M |
Securities
| Securities | $27.46M |
| Available-for-sale debt securities | $24.54M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$392.86M as of the latest filing.
How much are Heritage Bank National Association's total deposits?
$336.67M in total deposits.
Where is Heritage Bank National Association located?
Spicer, MN.
What is the Net Interest Margin?
3.54%.
How many domestic offices does it operate?
5.
When was it established?
10/08/1964.
What is the Return on Assets (ROA)?
0.21%.
How much are total loans and leases?
$316.18M (latest filing).
What is the total interest income (latest filing)?
$5.46M.