Heritage Bank Minnesota (FDIC #8865): Bank Stress & Real-Estate Credit Exposure
Heritage Bank Minnesota (FDIC Cert #8865): bank stress 84/100, severe, STABLE over 7 days; parent WEST CONCORD BANCSHARES INC.
Heritage Bank Minnesota (#8865) lends in 3 counties across 1 state; Heritage Bank Minnesota (#8865) reaches 36 ZIP codes: Minnesota 3 counties, 36 ZIPs.
Heritage Bank Minnesota (#8865) largest markets: Goodhue County, MN (17 branches, 17 ZIPs) (#8865), Rice County, MN (16 branches, 16 ZIPs) (#8865), Dodge County, MN (10 branches, 10 ZIPs) (#8865).
Heritage Bank Minnesota (#8865) reports $120.9 million in total assets; Heritage Bank Minnesota (#8865) equity $7.8 million (6.4% of Heritage Bank Minnesota (#8865) assets); Heritage Bank Minnesota (#8865) domestic deposits $109.8 million; Heritage Bank Minnesota (#8865) net income $511,000; Heritage Bank Minnesota (#8865) return on assets 0.85%; Heritage Bank Minnesota (#8865) return on equity 13.66%; Heritage Bank Minnesota (#8865) net interest income $2.1 million; Heritage Bank Minnesota (#8865) call report June 30, 2026.
Heritage Bank Minnesota (#8865) noncurrent real-estate loans: none reported; Heritage Bank Minnesota (#8865) net charge-offs on real estate 0.54%.
Heritage Bank Minnesota (#8865) net interest margin 3.85% against an eight-quarter Heritage Bank Minnesota (#8865) average of 3.70% (Heritage Bank Minnesota (#8865) compression -0.16 points); Heritage Bank Minnesota (#8865) rate-exposure score 40/100, Heritage Bank Minnesota (#8865) fixed-rate trap 40/100; Heritage Bank Minnesota (#8865) risk type credit driven; Heritage Bank Minnesota (#8865) rate regime rates elevated, Heritage Bank Minnesota (#8865) snapshot October 19, 2026.
Heritage Bank Minnesota (#8865) stress score moved from 85.1 on June 22, 2026 to 84.3 on October 19, 2026; Heritage Bank Minnesota (#8865) ranged 84.3 to 85.1 over 116 snapshots.
Heritage Bank Minnesota (#8865) alerts: 3 counties; top Heritage Bank Minnesota (#8865) alert scores: Dennison County, MN 29 (low); Northfield County, MN 29 (low); West Concord County, MN 29 (low).