HERITAGE BANK AND TRUST

RACINE, WI · Supervised by FDIC

Est. 1970FDIC #20,296RSSD: FDIC-20296

Part ofJOHNSON INTERNATIONAL INC→ View all charters

Satisfactory Same

Current rating · Exam: March 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.24%

Institution Profile

FDIC BankFind

Website

www.johnsonfinancialgroup.com

Address

555 Main St, RACINE, WI

County

Racine County

Established

November 12, 1970

Total Assets

$7.0B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 1995

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 31 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$7.0B

Total Deposits

$5.8B

Net Loans

$5.2B

Net Income

$22M

ROA

1.24%

ROE

10.06%

Risk-Based Capital

17.30%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$5.5B

1-Year Change

5-year net change: -9 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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