HERITAGE BANK, INC.

ERLANGER, KY | Large | Est. Sept. 4, 1990, midnight | FDIC #33119 | RSSD #1469677 | FDIC
Latest Report: 2025-12-31

HERITAGE BANK, INC. is aln large FDIC-insured commercial bank headquartered in ERLANGER, KY, established in Sept. 4, 1990, midnight. As of 2025-12-31, the bank reported total assets of $2.1B and total deposits of $1.9B. Profitability stands at 1.36% ROA and 20.93% ROE, with a net interest margin of 3.72%. The bank's CET1 capital ratio is 11.21%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.31% and a Texas Ratio of 2.62%. FDIC Certificate #33119.

Assets

$2.1B

Deposits

$1.9B

Loans

$1.3B

Equity

$134M

Profitability

Return on Assets (ROA) 1.36%
Return on Equity (ROE) 20.93%
Net Interest Margin (NIM) 3.72%
Yield on Assets 5.89%
Cost of Funds 2.98%

Asset Quality

NPL Ratio 0.31%
Net Charge-Off Ratio 0.06%
Texas Ratio 2.62%
NPA Ratio 0.19%
ACL / Loans 1.12%

Capital & Liquidity

CET1 Ratio 11.21%
Tier 1 Capital 11.21%
Total Capital Ratio 12.23%
Leverage Ratio 8.39%
Loan-to-Deposit 65.82%

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