🏦Bank Scorer

HERITAGE BANK, NATIONAL ASSOCIATION

SPICER, MN · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1964FDIC #19,254
Satisfactory Same

Current rating · Exam: July 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.52%

Institution Profile

FDIC BankFind

Address

110 W South St, SPICER, MN

County

Kandiyohi County

Established

October 8, 1964

Total Assets

$361M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 5, 2022

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jul 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$361M

Total Deposits

$306M

Net Loans

$299M

Net Income

$-491K

ROA

-0.52%

ROE

-5.14%

Risk-Based Capital

16.87%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$357M

1-Year Change

-1

5-year net change: -2 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 1995

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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