Community Reinvestment Act (CRA) rules and regulations require Heritage Bank NA make available a Public File composed of the content posted below. All content is made current as of April 1 each year.
CRA Performance Evaluation
CRA Public Performance Evaluation
Products and Services
Consumer Banking Products and Services
Consumer Fee Schedule
Commercial Banking Products and Services
Business Fee Schedule
Branch Listing
Branches and ATMs
Assessment Area Maps
Minnesota Assessment Area
South Dakota Assessment Area
Branches Opened and Closed
Bank Branches Opened and Closed
Loan to Deposit Ratio
Loan to Deposit Ratio
Public Comments and Responses
No current public comments.
Community Reinvestment Act Notice
Under the Federal Community Reinvestment Act (CRA), the Office of the Comptroller of the Currency (OCC) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The OCC also takes this record into account when deciding on certain applications submitted by us.
Your involvement is encouraged. You are entitled to certain information about our operations and our performance under the CRA, including, for example, information about our branches, such as their location and services provided at them; the public section of our most recent CRA Performance Evaluation, prepared by the OCC; and comments received from the public relating to our performance in helping to meet community credit needs, as well as our responses to those comments. You may review this information today. At least 30 days before the beginning of each calendar quarter, the OCC publishes a list of the banks that are scheduled for CRA examination by the OCC for the next two quarters. This list is available through the OCC’s website at OCC.gov. You may send written comments about our performance in helping to meet community credit needs to Kate Seckinger, CRA Officer, Heritage Bank, N.A., 310 1st Street SW, Willmar, MN 56201, to the OCC, Comptroller of the Currency, Customer Assistance Group, P.O. Box 53570, Houston, TX 77052. You may also submit comments electronically to the OCC at [email protected]. Your written comments, together with any response by us, will be considered by the OCC in evaluating our CRA performance and may be made public.
You may ask to look at any comments received by the OCC. You may also request from the OCC an announcement of our applications covered by the CRA filed with the OCC. [We are an affiliate of Heritage Bancshares, a bank holding company. You may request from District Administration of National Banks, Federal Reserve Bank of Minneapolis 90 Hennepin Avenue, Minneapolis, MN 55401 an announcement of applications covered by the CRA filed by bank holding companies.
HMDA Disclosure
The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. These data are available online at the Consumer Financial Protection Bureau’s Web site (www.consumerfinance.gov/hmda). HMDA data for many other financial institutions are also available at this Web site.