Heritage Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
Heritage Bank & Trust is an FDIC-insured commercial bank headquartered in Columbia, TN, established in 2006 (FDIC certificate 58220), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $417.8M, up 6.9% from Q2 2025, the 59th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 10.24% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58220
- Headquarters
- Columbia, TN
- Established
- 2006
- Total assets, Q2 2026
- $417.8M
- Assets vs Q2 2025
- +6.9%
- CET1 ratio, Q2 2026
- 10.24%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 064109057
- Holding company
- HERITAGE FINANCIAL CORPORATION
- Asset rank in state
- 59th of 109 in Tennessee
Heritage Bank & Trust operates with a thinner capital cushion than most banks of its size. Based in Columbia, Tennessee, it had $418 million in assets at June 30, 2026, up 6.9% from a year earlier. It holds common equity equal to 10.24% of its risk-weighted assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). It also grew its loan book 16.9% over the year, about triple the median of 5.5% for banks its size.
Earnings jumped: net income for the quarter was $1.1 million, 58% above the same quarter a year earlier. Over the same year, loans grew 16.9% and deposits grew 6.0%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.6 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Heritage Bank & Trust reported a CET1 capital ratio of 10.24%, a return on assets of 1.01%, a nonperforming-loan ratio of 0.36% and a Texas ratio of 5.13%. The figures come from its call report filed with the FFIEC.
Heritage Bank & Trust ranks as the 59th largest of the 109 banks based in Tennessee, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets were flat, loans rose 1.8% and deposits rose 1.0%. 1-4 family residential loans made up 47.9% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 17.4%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in TN; its Columbia office books 48% of its branch deposits. Judged on its Q2 2026 call report, Heritage Bank & Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 217 S James M Campbell Blvd, Columbia, TN 38401
- County
- Maury
- Metro Area
- Nashville-Davidson-Murfreesboro-Franklin, TN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 6, 2006
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 64
- Domestic deposits
- $377.3M
- Allowance for credit losses
- $5.8M
- Net charge-offs (YTD)
- $8K
- Average total assets
- $423.4M
- Average total loans
- $358.2M
- Average interest-bearing deposits
- $323.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 6, 2006
- FDIC Cert
- 58220
- Fed RSSD
- 3429219
- Website
- www.heritagebankandtrust.com →
- Parent Holding Company
- HERITAGE FINANCIAL CORPORATION (RSSD 5513121)
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
Heritage Bank & Trust's total assets moved between a low of $345.0M (Q3 2023) and a high of $417.9M (Q1 2026) from Q3 2023 to Q2 2026, 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
$417.8M total assets against $390.8M; $384.4M total liabilities against $361.9M.
$353.5M net loans and leases against $302.0M; $377.3M total deposits against $356.1M.
$30.8M securities against $41.3M; $11.6M cash and balances due against $27.4M.
$6.3M total interest income against $5.6M; $2.2M total interest expense against $2.0M.
$4.1M net interest income against $3.7M.
$708K total noninterest income against $492K; $3.3M total noninterest expense against $3.1M.
$0 provision for credit losses against $120K.
$1.1M net income against $675K.
1.01% return on assets against 0.71%; 4.06% net interest margin against 4.05%.
10.24% CET1 capital ratio against 10.21%; 8.48% tier 1 leverage ratio against 8.38%.
Inside the full Heritage Bank & Trust 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 & Trust rankings
Its closest position to the top of a national ranking is 1,313 of 3,640, for Texas Ratio; its furthest is 2,074 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.66% (Q1 2025) to 1.53% (Q1 2026) and its net interest margin ran from 3.83% (Q1 2025) to 4.11% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.24% | 1.01% | 0.36% | 5.13% | 4.06% |
| Q1 2026 | 10.12% | 1.53% | 0.40% | 3.69% | 4.03% |
| Q4 2025 | 9.95% | 1.08% | 0.41% | 6.42% | 4.04% |
| Q3 2025 | 10.17% | 1.05% | 0.44% | 6.62% | 4.11% |
| Q2 2025 | 10.21% | 0.71% | 0.52% | 9.28% | 4.05% |
| Q1 2025 | 10.28% | 0.66% | 0.73% | 12.03% | 3.83% |
| Q4 2024 | 10.44% | 0.98% | 1.01% | 10.20% | 3.84% |
| Q3 2024 | 10.71% | 0.72% | 0.10% | 1.97% | 3.89% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 & Trust (main office) | Columbia , TN | 38401 | $181.7M |
| Centerville Branch | Centerville , TN | 37033 | $67.5M |
| North Locust Avenue Branch | Lawrenceburg , TN | 38464 | $67.3M |
| Heritage Bank & Trust Branch | Mount Pleasant , TN | 38474 | $60.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in TN, rank 81 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $200K approved, $100K average. 50.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 & Trust
What are Heritage Bank & Trust's total assets?
As of the Q2 2026 filing, Heritage Bank & Trust reported total assets of $417.8 million in its FFIEC call report.
Where is Heritage Bank & Trust headquartered?
It is headquartered in Columbia, TN, United States.
When was Heritage Bank & Trust founded?
It was established in 2006, per the FDIC institution directory.
Is Heritage Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58220). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Heritage Bank & Trust?
Heritage Bank & Trust's primary federal regulator is the FDIC.
What is Heritage Bank & Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.24% in its Q2 2026 call report, above regulatory requirements.
How many branches does Heritage Bank & Trust operate?
It operates 5 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 & Trust's Texas Ratio?
Its Texas Ratio is 5.13% 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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