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
Iowa Assessment Area
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 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 quarter, the OCC publishes a nationwide list of the banks and savings association that are scheduled for CRA examination in that quarter. This list is available from the OCC at 1225 17th Street, Suite 300, Denver, CO 80202. 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 and to the OCC, at 1225 17th Street, Suite 300, Denver, CO 80202. Your letter, 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 the District Administrator 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.