HERITAGE BANK OF SAINT TAMMANY

COVINGTON, LA | Small | Est. Jan. 1, 1924, midnight | FDIC #29577 | RSSD #194570 | OCC
Latest Report: 2025-12-31

HERITAGE BANK OF SAINT TAMMANY is asn small FDIC-insured commercial bank headquartered in COVINGTON, LA, established in Jan. 1, 1924, midnight. As of 2025-12-31, the bank reported total assets of $179M and total deposits of $149M. Profitability stands at 0.51% ROA and 4.74% ROE, with a net interest margin of 3.25%. The bank's CET1 capital ratio is 10.49%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.31% and a Texas Ratio of 2.19%. FDIC Certificate #29577.

Assets

$179M

Deposits

$149M

Loans

$146M

Equity

$20M

Profitability

Return on Assets (ROA) 0.51%
Return on Equity (ROE) 4.74%
Net Interest Margin (NIM) 3.25%
Yield on Assets 5.96%
Cost of Funds 2.81%

Asset Quality

NPL Ratio 0.31%
Net Charge-Off Ratio 0.01%
Texas Ratio 2.19%
NPA Ratio 0.26%
ACL / Loans 0.89%

Capital & Liquidity

CET1 Ratio 10.49%
Tier 1 Capital 10.49%
Total Capital Ratio 11.01%
Leverage Ratio 11.03%
Loan-to-Deposit 97.96%

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