Heritage Bank, Inc.
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Data as of · sourced from FFIEC call reports. How we update
Heritage Bank, Inc. is an FDIC-insured commercial bank headquartered in Burlington, KY, established in 1990 (FDIC certificate 33119), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.99B, up 9.3% from Q2 2025, the 8th largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 11.86% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 33119
- Headquarters
- Burlington, KY
- Established
- 1990
- Total assets, Q2 2026
- $1.99B
- Assets vs Q2 2025
- +9.3%
- CET1 ratio, Q2 2026
- 11.86%
- Domestic offices
- 19 FDIC institution directory, current count
- Routing number
- 042102160
- Holding company
- HERITAGE BANCORP, INC.
- Asset rank in state
- 8th of 120 in Kentucky
Heritage Bank, Inc. operates with a thinner capital cushion than most banks of its size. Based in Burlington, Kentucky, it had $2.0 billion in assets at June 30, 2026, up 9.3% from a year earlier. It funds 9.01% of its assets with Tier 1 capital, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 10.52%). It also holds commercial real estate loans worth 3.0 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
The commercial and industrial book ($193 million) is worsening: 3.50% of it is past due or on nonaccrual, up from 1.16% a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $49 million equal 27% of Tier 1 capital, down from 40% a year earlier. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.47% of loans from 0.36% a year earlier.
As of June 30, 2026, Heritage Bank, Inc. reported a CET1 capital ratio of 11.86%, a return on assets of 1.08%, a nonperforming-loan ratio of 0.47% and a Texas ratio of 3.73%. The figures come from its call report filed with the FFIEC.
Heritage Bank, Inc. ranks as the 8th largest of the 120 banks based in Kentucky, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.5% to $1.99B, loans fell 2.7% and deposits fell 1.0%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 27.3% of total loans, ahead of owner-occupied commercial real estate loans at 17.2%. Its 19 offices in the FDIC Summary of Deposits are in 19 cities across 2 states; its Burlington office books 21% of its branch deposits. On its Q2 2026 call report, Heritage Bank, Inc. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1818 Florence Pike, Burlington, KY 41005
- County
- Boone
- Metro Area
- Cincinnati, Oh-KY-In
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 4, 1990
- Domestic offices
- 19 FDIC institution directory, current count
- Employees (FTE)
- 245
- Domestic deposits
- $1.83B
- Allowance for credit losses
- $14.6M
- Net charge-offs (YTD)
- $744K
- Average total assets
- $2.00B
- Average total loans
- $1.26B
- Average interest-bearing deposits
- $1.44B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 4, 1990
- FDIC Cert
- 33119
- Fed RSSD
- 1469677
- Website
- www.ourheritage.bank →
- Parent Holding Company
- HERITAGE BANCORP, INC. (RSSD 2269119)
- Ultimate Parent
- COMMONWEALTH HOLDINGS, L.L.C. (RSSD 2332536)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Heritage Bank, Inc.'s total assets ranged from $1.59B (Q3 2023) to $2.09B (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.99B total assets against $1.82B; $1.85B total liabilities against $1.71B.
$1.22B net loans and leases against $1.19B; $1.83B total deposits against $1.69B.
$430.9M securities against $462.7M; $237.5M cash and balances due against $78.7M.
$25.9M total interest income against $24.2M; $8.8M total interest expense against $9.4M.
$17.1M net interest income against $14.8M.
$4.2M total noninterest income against $3.2M; $13.8M total noninterest expense against $11.6M.
$826K provision for credit losses against $497K.
$5.4M net income against $4.7M.
1.08% return on assets against 1.00%; 3.69% net interest margin against 3.43%.
11.86% CET1 capital ratio against 10.81%; 9.01% tier 1 leverage ratio against 8.57%.
Inside the full Heritage Bank, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Heritage Bank, Inc. rankings
Its closest position to the top of a national ranking is 602 of 4,196, for total assets; its furthest is 1,753 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.80% (Q3 2024) to 1.33% (Q4 2025) and its net interest margin ran from 2.87% (Q3 2024) to 3.69% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.86% | 1.08% | 0.47% | 3.73% | 3.69% |
| Q1 2026 | 11.50% | 1.00% | 0.27% | 2.26% | 3.51% |
| Q4 2025 | 11.21% | 1.33% | 0.31% | 2.62% | 3.59% |
| Q3 2025 | 10.76% | 1.06% | 0.29% | 2.62% | 3.57% |
| Q2 2025 | 10.81% | 1.00% | 0.36% | 3.43% | 3.43% |
| Q1 2025 | 10.86% | 0.90% | 0.21% | 2.06% | 3.26% |
| Q4 2024 | 10.60% | 1.30% | 0.43% | 4.24% | 2.94% |
| Q3 2024 | 10.57% | 0.80% | 0.40% | 3.66% | 2.87% |
Swipe the table sideways to see every column.
Branch Network
View all 19 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Heritage Bank, Inc. (main office) | Burlington , KY | 41005 | $379.7M |
| Erlanger Branch | Erlanger , KY | 41018 | $175.4M |
| Fort Mitchell Branch | Fort Mitchell , KY | 41017 | $171.3M |
| Florence Branch | Florence , KY | 41042 | $114.3M |
| Union Branch | Union , KY | 41091 | $114.1M |
| Walton Branch | Walton , KY | 41094 | $96.4M |
| Hebron Branch | Hebron , KY | 41048 | $92.1M |
| Cold Spring Branch | Cold Spring , KY | 41076 | $88.6M |
| Independence Branch | Independence , KY | 41051 | $78.8M |
| Alexandria Branch | Alexandria , KY | 41001 | $76.9M |
| Fort Wright Branch | Fort Wright , KY | 41011 | $70.2M |
| Mason | Mason , OH | 45040 | $53.2M |
| North Branch | Butler , KY | 41006 | $51.6M |
| Dry Ridge Branch | Dry Ridge , KY | 41035 | $50.2M |
| Ridgeway Avenue Branch | Falmouth , KY | 41040 | $48.1M |
| Newport Ky Branch | Newport , KY | 41071 | $46.7M |
| Montgomery Branch | Cincinnati , OH | 45242 | $46.7M |
| Covington Ky Branch | Covington , KY | 41015 | $45.2M |
| Williamstown | Williamstown , KY | 41097 | $26.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 9, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 7, 2012 | Structure Change | Acquired Farmers National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action October 20, 2009. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.4% of deposits in KY, rank 14 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 427 applications, 313 loans originated, $51.2M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 149 loans, $105.1M approved, $706K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Heritage Bank, Inc.
What are Heritage Bank, Inc.'s total assets?
As of the Q2 2026 filing, Heritage Bank, Inc. reported total assets of $1.99 billion in its FFIEC call report.
Where is Heritage Bank, Inc. headquartered?
It is headquartered in Burlington, KY, United States.
When was Heritage Bank, Inc. founded?
It was established in 1990, per the FDIC institution directory.
Is Heritage Bank, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #33119). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Heritage Bank, Inc.?
Heritage Bank, Inc.'s primary federal regulator is the FDIC.
What is Heritage Bank, Inc.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.86% in its Q2 2026 call report, above regulatory requirements.
How many branches does Heritage Bank, Inc. operate?
It operates 19 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Heritage Bank, Inc.'s Texas Ratio?
Its Texas Ratio is 3.73% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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