Heritage Bank & Trust

BankColumbia, Tennessee
www.heritagebankandtrust.com

Total Assets

$406.2M

Total Deposits

$363.9M

Branches

5

Established

2006

TFS Health Grade

$
C-

70.2 / 100

Average financial health

How we grade

Heritage Bank & Trust is a bank headquartered in Columbia, Tennessee, established in 2006. With $406.2M in total assets and 5 branch locations, it has a TFS Financial Health Grade of C- (70.2/100).

Capital & Safety

Tier 1 Capital Ratio
8.31%(8%)
Total Capital Ratio
11.21%(10%)
Non-Performing Loan Ratio
0.41%

Profitability

Return on Assets (ROA)
0.87%(1%)
Return on Equity (ROE)
11.70%(10%)
Net Interest Margin
4.00%
Efficiency Ratio
70.81%(60%)

Lending & Liquidity

Total Loans
$345.2M
Loan-to-Deposit Ratio
93.25%
Net Charge-Off Ratio
0.19%

Growth

Asset Growth (YoY)
+5.08%
Deposit Growth (YoY)
+2.79%
Net Income
$3.4M

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.

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