Branch Network
Heritage Bank, Inc. Locations & Branches Burlington, Kentucky
BankRegReports is independent of Heritage Bank, Inc. and never asks for online banking logins or passwords.
Heritage Bank, Inc. operates 19 branches from its headquarters in Burlington, KY, .
Heritage Bank, Inc. branch network
Its 19 branches span 2 states and 19 cities. The most are in KENTUCKY (17) and OHIO (2). KENTUCKY holds 94.5% of its branch deposits. Its largest office by deposits is its main office in Burlington, KY, with $379.7M (20.8% of its branch deposits). It had the same number of branches on June 30, 2025.
Heritage Bank, Inc. at a glance
Its CET1 capital ratio was 11.86% at Q2 2026, above regulatory requirements.
- Total assets, Q2 2026
- $1.99B
- CET1 ratio, Q2 2026
- 11.86%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1990
Full financial profile · Is Heritage Bank, Inc. safe? · Heritage Bank, Inc. call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Burlington, KY (1 branch) | 1 of 5 | 50.7% | $379.7M |
| State: KY (17 branches) | 14 of 152 | 1.4% | $1.73B |
Ranked by total assets among banks headquartered in the state: Largest banks in Kentucky.
Share by county and metro area
Heritage Bank, Inc.'s share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Boone, KY (5 branches) | 2 of 17 | 19.5% | $796.5M | $4.08B |
| Kenton, KY (5 branches) | 3 of 18 | 12.8% | $540.9M | $4.22B |
| Campbell, KY (3 branches) | 6 of 11 | 8.1% | $212.3M | $2.61B |
| Pendleton, KY (2 branches) | 1 of 4 | 45.3% | $99.7M | $219.8M |
| Grant, KY (2 branches) | 2 of 3 | 20.1% | $76.3M | $380.2M |
| Warren, OH (1 branch) | 14 of 19 | 0.9% | $53.2M | $5.74B |
| Hamilton, OH (1 branch) | 29 of 32 | <0.1% | $46.7M | $153.85B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Cincinnati, OH-KY-IN (19 branches) | 7 of 55 | 1.0% | $1.83B | $187.51B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 33119) · FFIEC NIC profile (RSSD 1469677)