Heritage Bank National Association
Heritage Bank National Association is an FDIC insured institution headquartered at
110 W South St, Spicer, MN 56288.
It was founded in
1964 and has approximately $0 billion in
assets. Customers can open an account at one of its 7 branches.
Deposit Rates - January 27, 2023
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
SAV
|
1.72% | $100,000 | Compare |
|
SAV
|
1.72% | $230,000 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
0.14% | $2,000 | Compare |
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Overview 2023
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 19254 |
| Date Established | 1964 |
| Assets | $ 436.98 million |
| Loans | $ 350.59 million |
| Deposits | $ 350.40 million |
| Capital | $ 43.13 million |
Summary Balance Sheet
| ASSETS | |
| Cash & Balances due from depository institutions | $ 22.42 million |
| Interest-bearing balances | $ 10.32 million |
| Total securities | $ 44.26 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 350.59 million |
| Loan loss allowance | $ 3.71 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | $ 3.77 million |
| All other assets | $ 11.33 million |
| Total Assets | $ 393.85 million |
| LIABILITIES | |
| Total deposits | $ 350.40 million |
| Interest-bearing deposits | $ 258.76 million |
| Deposits held in domestic offices | $ 350.40 million |
| % insured (estimated) | 77.41% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 38.67 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 4.79 millionn |
| Total Liabilities | $ 393.85 million |
| Shareholders’ Equity | $ 43.13 million |
Summary Income Statement
| INCOME AND EXPENSES | |
| Total Interest Income | $ 10.58 million |
| Total Interest Expense | $ 0.47 million |
| Net interest income | $ 10.11 million |
| Provision for loan and lease losses | $ 0.15 million |
| Total non interest income | $ 1.55 million |
| Total non interest expense | $ 8.30 million |
| Pre-tax Net Operating Income | $ 3.21 million |
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Customer Reviews for Heritage Bank National Association
Branches
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Heritage Bank National Association Locations
Savings Comparison
This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.
PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES
Tax Rate: 30%
All calculations are for demonstration purposes only.
- 1ONLINE CDBank-$50,0006 Month0.14%0.49x (National Avg. - 0.28%)$2,000-SCENARIO
Year Rate
0.14%Annual
InterestAnnual Interest
(After Tax)1 50,000 70 49 2 50,070 70 49 3 50,140 70 49 4 50,210 70 49 5 50,281 70 49 6 50,351 70 49 7 50,421 71 49 8 50,492 71 49 9 50,563 71 50 10 50,634 71 50 11 50,704 71 50 12 50,775 71 50 13 50,846 71 50 14 50,918 71 50 15 50,989 71 50 16 51,060 71 50 17 51,132 72 50 18 51,203 72 50 19 51,275 72 50 20 51,347 72 50 TOTAL $1,419 $993 - 2LOCAL CDOnline Bank-$50,00012 Month4.15%9.63x (National Avg. - 0.43%)$2,500-SCENARIO
Year Rate
4.15%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,075 1,453 2 52,075 2,161 1,513 3 54,236 2,251 1,576 4 56,487 2,344 1,641 5 58,831 2,441 1,709 6 61,273 2,543 1,780 7 63,815 2,648 1,854 8 66,464 2,758 1,931 9 69,222 2,873 2,011 10 72,095 2,992 2,094 11 75,087 3,116 2,181 12 78,203 3,245 2,272 13 81,448 3,380 2,366 14 84,828 3,520 2,464 15 88,349 3,666 2,567 16 92,015 3,819 2,673 17 95,834 3,977 2,784 18 99,811 4,142 2,900 19 103,953 4,314 3,020 20 108,267 4,493 3,145 TOTAL $62,760 $43,932 - 3LOCAL CDOnline Bank-$50,00024 Month4.30%7.80x (National Avg. - 0.55%)$2,500-SCENARIO
Year Rate
4.30%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,150 1,505 2 52,150 2,242 1,570 3 54,392 2,339 1,637 4 56,731 2,439 1,708 5 59,171 2,544 1,781 6 61,715 2,654 1,858 7 64,369 2,768 1,938 8 67,137 2,887 2,021 9 70,024 3,011 2,108 10 73,035 3,140 2,198 11 76,175 3,276 2,293 12 79,451 3,416 2,391 13 82,867 3,563 2,494 14 86,430 3,717 2,602 15 90,147 3,876 2,713 16 94,023 4,043 2,830 17 98,066 4,217 2,952 18 102,283 4,398 3,079 19 106,681 4,587 3,211 20 111,268 4,785 3,349 TOTAL $66,053 $46,237 - 4LOCAL CDOnline Bank-$50,00060 Month4.40%5.45x (National Avg. - 0.81%)$2,500-SCENARIO
Year Rate
4.40%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,200 1,540 2 52,200 2,297 1,608 3 54,497 2,398 1,679 4 56,895 2,503 1,752 5 59,398 2,614 1,829 6 62,012 2,729 1,910 7 64,740 2,849 1,994 8 67,589 2,974 2,082 9 70,563 3,105 2,173 10 73,667 3,241 2,269 11 76,909 3,384 2,369 12 80,293 3,533 2,473 13 83,825 3,688 2,582 14 87,514 3,851 2,695 15 91,364 4,020 2,814 16 95,384 4,197 2,938 17 99,581 4,382 3,067 18 103,963 4,574 3,202 19 108,537 4,776 3,343 20 113,313 4,986 3,490 TOTAL $68,299 $47,809
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