What is Heritage Bank, Inc.'s financial health grade?

Heritage Bank, Inc. has a TFS Financial Health Grade of C- (score: 70.5/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Heritage Bank, Inc. have?

Heritage Bank, Inc. has 19 branch locations across the United States.

Is Heritage Bank, Inc. FDIC insured?

Yes, Heritage Bank, Inc. is FDIC insured (Certificate #33119).

What are the total assets of Heritage Bank, Inc.?

Heritage Bank, Inc. has total assets of $2.1B as reported in its most recent FDIC filing.

Heritage Bank, Inc.

BankBurlington, Kentucky

www.ourheritage.bank

Total Assets

$2.1B

Total Deposits

$1.9B

Branches

Established

1990

TFS Health Grade

C-

70.5 / 100

Average financial health

How we grade

Heritage Bank, Inc. is a bank headquartered in Burlington, Kentucky, established in 1990. With $2.1B in total assets and 19 branch locations, it has a TFS Financial Health Grade of C- (70.5/100).

Capital & Safety

Tier 1 Capital Ratio

8.39%(8%)

Total Capital Ratio

12.23%(10%)

Non-Performing Loan Ratio

0.31%

Profitability

Return on Assets (ROA)

1.08%(1%)

Return on Equity (ROE)

17.64%(10%)

Net Interest Margin

3.42%

Efficiency Ratio

63.67%(60%)

Lending & Liquidity

Total Loans

$1.3B

Loan-to-Deposit Ratio

65.09%

Net Charge-Off Ratio

0.06%

Growth

Asset Growth (YoY)

+11.30%

Deposit Growth (YoY)

+11.38%

Net Income

$20.6M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Heritage Bank, Inc.HQ	1818 Florence Pike	Burlington	KY	11
Heritage Bank, Inc.	7593 Alexandria Pike	Alexandria	KY	11
Heritage Bank, Inc.	10499 Us Highway 27 N	Butler	KY	11
Heritage Bank, Inc.	4929 Alexandria Pike	Cold Spring	KY	11
Heritage Bank, Inc.	3600 Decoursey Ave	Covington	KY	11
Heritage Bank, Inc.	48 Broadway St	Dry Ridge	KY	11
Heritage Bank, Inc.	456 Commonwealth Ave	Erlanger	KY	11
Heritage Bank, Inc.	1057 Ridgeway Ave	Falmouth	KY	11
Heritage Bank, Inc.	7434 Us Highway 42	Florence	KY	11
Heritage Bank, Inc.	350 Buttermilk Pike	Fort Mitchell	KY	11
Heritage Bank, Inc.	1911 Dixie Hwy	Fort Wright	KY	11
Heritage Bank, Inc.	2101 Medical Arts Dr	Hebron	KY	11
Heritage Bank, Inc.	2040 Declaration Dr	Independence	KY	11
Heritage Bank, Inc.	647 Monmouth St	Newport	KY	11
Heritage Bank, Inc.	8751 Us Highway 42	Union	KY	11
Heritage Bank, Inc.	235 Mary Grubbs Hwy	Walton	KY	11
Heritage Bank, Inc.	229 S Main St	Williamstown	KY	11
Heritage Bank, Inc.	9749 Montgomery Rd	Cincinnati	OH	11
Heritage Bank, Inc.	6310 Tylersville Rd	Mason	OH	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.