BlastPoint's Banking Scorecard
Heritage Bank
Designations: ✓ Community bank
Marion, IA
3 branches across IA
Heritage Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.46% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.47% below tier average
- - Efficiency Ratio 32.80% above tier average
- - Net Interest Margin 1.11% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$38.2M
-5.5% YoY
-1.0% QoQ
|
-$24.0M |
$62.2M
-0.6% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
19% |
| Total Loans ? |
$19.3M
-2.4% YoY
+0.7% QoQ
|
-$14.9M |
$34.2M
-1.4% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
26% |
| Total Deposits ? |
$32.6M
-5.4% YoY
-3.9% QoQ
|
-$19.1M |
$51.7M
-0.7% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
21% |
| Return on Assets ? |
-0.64%
+9.3% YoY
-6.1% QoQ
|
-1.47% |
0.84%
-2.3% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
Bottom 10.0% in tier |
| Net Interest Margin ? |
2.75%
+6.9% YoY
+4.7% QoQ
|
-1.11% |
3.86%
+2.8% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
Bottom 10.9% in tier |
| Efficiency Ratio ? |
121.14%
-4.4% YoY
-0.1% QoQ
|
+32.80% |
88.34%
+0.3% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
Bottom 7.9% in tier |
| Delinquency Rate ? |
0.91%
-0.1% QoQ
|
-0.46% |
1.37%
+33.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
59.20%
+3.1% YoY
+4.7% QoQ
|
-5.01% |
64.22%
-0.7% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
26.56%
+15.9% YoY
+7.3% QoQ
|
+2.85% |
23.71%
+0.3% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
61% |
| Nonperforming Asset Ratio ? |
0.46%
+1.6% QoQ
|
-0.33% |
0.79%
+28.2% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
40% |
| Tier 1 Capital Ratio ? |
16.38%
+87.5% YoY
-4.8% QoQ
|
-10.30% |
26.68%
+2.0% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.12%
+64.3% YoY
-68.7% QoQ
|
-0.55% |
0.67%
+1.9% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
77% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.