BlastPoint's Banking Scorecard

Heritage Bank National Association

$100M-$1B Specialty: Commercial MN FDIC cert 19254

Spicer, MN

5 branches across MN · SD

2664 banks in the $100M-$1B peer group nationally 152 in MN

Heritage Bank National Association faces 7 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 4.3% in tier
- Efficiency Drag: Bottom 11.1% in tier
- Capital Constraint: Bottom 55.6% in tier
- Return on Assets 1.79% below tier average
- Delinquency Rate 2.65% above tier average
- Nonperforming Asset Ratio 2.32% above tier average
- Net Interest Margin 0.30% below tier average

Get updates when Heritage Bank National Association releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$360.8M -17.3% YoY -8.2% QoQ	-$25.3M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	56%
Total Loans ?	$299.4M -15.9% YoY -5.3% QoQ	+$43.7M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	68%
Total Deposits ?	$306.1M -18.3% YoY -9.1% QoQ	-$21.8M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	56%
Return on Assets ?	-0.52% -171.9% YoY -375.2% QoQ	-1.79%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	Bottom 1.7% in tier
Net Interest Margin ?	3.63% +13.2% YoY +3.3% QoQ	-0.30%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	36%
Efficiency Ratio ?	113.29% +32.2% YoY +19.3% QoQ	+48.01%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	Bottom 1.1% in tier
Delinquency Rate ?	3.54% +43.0% YoY +3.3% QoQ	+2.65%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	Bottom 4.3% in tier
Loan-to-Deposit Ratio ?	97.80% +2.9% YoY +4.1% QoQ	+21.16%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	Bottom 11.2% in tier
Non-Interest-Bearing Deposit Share ?	19.04% +18.1% YoY +3.8% QoQ	-2.98%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	40%
Nonperforming Asset Ratio ?	2.96% +44.3% YoY +7.2% QoQ	+2.32%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	Bottom 3.1% in tier
Tier 1 Capital Ratio ?	15.61% +12.4% YoY +6.3% QoQ	-0.22%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	70%
Non-Interest Income / Assets ?	0.16% -69.0% YoY -83.8% QoQ	-0.12%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	78%

Get Full Access to Heritage Bank National Association

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Liquidity Strain

risk

#29 of 643 • Bottom 4.3% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 97.80%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

Efficiency Drag

risk

#47 of 414 • Bottom 11.1% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 113.29%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank improving

Capital Constraint

risk

#61 of 108 • Bottom 55.6% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 97.80%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 15.61%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

592

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.28%

#592 of 2664 Top 22.2% in $100M-$1B

Top Weaknesses (5 metrics)

2636

Efficiency Ratio

profitability

Value: 113.29%

Peer Median: 65.29%

#2636 of 2664 Bottom 1.1% in $100M-$1B

2621

Return on Assets

profitability

Value: -0.52%

Peer Median: 1.27%

#2621 of 2664 Bottom 1.7% in $100M-$1B

2582

Nonperforming Asset Ratio

credit_quality

Value: 2.96%

Peer Median: 0.64%

#2582 of 2664 Bottom 3.1% in $100M-$1B

2540

Delinquency Rate

credit_quality

Value: 3.54%

Peer Median: 0.89%

#2540 of 2654 Bottom 4.3% in $100M-$1B

2367

Loan-to-Deposit Ratio

liquidity

Value: 97.80%

Peer Median: 76.64%

#2367 of 2664 Bottom 11.2% in $100M-$1B