No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $120.9M | $109.8M | $97.8M | $7.8M | $511K | 0.85% | 3.85% | 0.52% |
| Q1 2026 | $123.3M | $107.5M | $94.8M | $7.4M | $228K | 0.76% | 3.68% | 0.33% |
| Q4 2025 | $117.5M | $104.9M | $96.0M | $7.3M | $734K | 0.67% | 3.80% | 0.32% |
| Q3 2025 | $114.0M | $100.6M | $92.4M | $7.1M | $671K | 0.83% | 3.77% | 0.96% |
| Q2 2025 | $112.1M | $102.0M | $87.0M | $6.6M | $396K | 0.74% | 3.66% | 0.58% |
| Q1 2025 | $105.0M | $94.8M | $82.2M | $6.6M | $207K | 0.80% | 3.74% | 0.27% |
| Q4 2024 | $102.6M | $86.9M | $80.4M | $6.4M | $532K | 0.52% | 3.57% | 0.47% |
| Q3 2024 | $103.3M | $90.2M | $80.1M | $6.8M | $578K | 0.76% | 3.49% | 0.27% |
Loan mix (Q2 2026): real estate $76.4M · commercial $11.6M · consumer $6.7M · securities $10.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Heritage Bank Minnesota | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 1.24% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 11.9% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.4% | 62.9% | 77th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Heritage Bank Minnesota | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Heritage Bank Minnesota | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Heritage Bank Minnesota | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Heritage Bank Minnesota | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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