HERITAGE BANK & TRUST

COLUMBIA, TN | Small | Est. March 6, 2006, midnight | FDIC #58220 | RSSD #3429219 | FDIC
Latest Report: 2025-12-31

HERITAGE BANK & TRUST is asn small FDIC-insured commercial bank headquartered in COLUMBIA, TN, established in March 6, 2006, midnight. As of 2025-12-31, the bank reported total assets of $406M and total deposits of $364M. Profitability stands at 1.10% ROA and 14.28% ROE, with a net interest margin of 4.23%. The bank's CET1 capital ratio is 9.95%. Asset quality metrics show a non-performing loan ratio of 0.41% and a Texas Ratio of 6.42%. FDIC Certificate #58220.

Assets

$406M

Deposits

$364M

Loans

$345M

Equity

$32M

Profitability

Return on Assets (ROA) 1.10%
Return on Equity (ROE) 14.28%
Net Interest Margin (NIM) 4.23%
Yield on Assets 6.55%
Cost of Funds 2.34%

Asset Quality

NPL Ratio 0.41%
Net Charge-Off Ratio 0.17%
Texas Ratio 6.42%
NPA Ratio 0.59%
ACL / Loans 1.69%

Capital & Liquidity

CET1 Ratio 9.95%
Tier 1 Capital 9.95%
Total Capital Ratio 11.21%
Leverage Ratio 8.31%
Loan-to-Deposit 94.86%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required