HERITAGE BANK NATIONAL ASSN
SPICER, MINNESOTA · FDIC Cert #19254
Capital & Safety Analysis
According to FDIC financial data, HERITAGE BANK NATIONAL ASSN holds a Tier 1 capital ratio of 10.85%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning HERITAGE BANK NATIONAL ASSN has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
HERITAGE BANK NATIONAL ASSN shows average financial health. While not alarming, its Health Score of 59/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
HERITAGE BANK NATIONAL ASSN has a Bank Health Score of C (59/100). It holds a Tier 1 capital ratio of 10.85%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
HERITAGE BANK NATIONAL ASSN holds $535M in total assets and $428M in total deposits. It is located in SPICER, MINNESOTA (FDIC Certificate #19254).
HERITAGE BANK NATIONAL ASSN has a Tier 1 capital ratio of 10.85%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 1.26%, and the return on assets is 0.37%.
Yes. HERITAGE BANK NATIONAL ASSN is FDIC-insured (Certificate #19254). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.