Heritage Bank & Trust
Columbia, TN
IDRSSD: 3429219
Total Assets
$401.53M
Latest filing
Total Deposits
$360.18M
Latest filing
Net Interest Margin
4.18%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Heritage Bank & Trust
217 S James M Campbell Blvd
Columbia, TN 38401
Full Service - Brick and Mortar
Updated 11/14/2025Established 03/06/2006FDIC Certificate 442944
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Heritage Bank & Trust (Main) | 217 S James M Campbell Blvd | Columbia, TN |
| HERITAGE BANK & TRUST ATM/DPO/LPO | 106 Weakley Creek Rd | Lawrenceburg, TN |
| HERITAGE BANK & TRUST BRANCH | 109 S Main St | Mount Pleasant, TN |
| NORTH LOCUST AVENUE BRANCH | 2305 Highway 43 N | Lawrenceburg, TN |
| CENTERVILLE BRANCH | 1350 Highway 100 | Centerville, TN |
Showing 4 of 4
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 03/06/2006 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 38401 |
| State and County Number | 47119 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Nashville-Davidson-Murfreesboro-Franklin, TN |
Operational Info
| Number of Employees | 65 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 03/06/2006 |
| Primary Insurance Agency | DIF |
| Website | www.heritagebankandtrust.com |
| Data Updated | 11/14/2025 |
| CERT | 58220 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $401.53M |
| Total Deposits | $360.18M |
| Total Liabilities | $371.09M |
| Total Equity Capital | $30.44M |
| Net Income | $1.04M |
| Net Loans and Leases | $315.15M |
| Assets Per Employee ($Millions) | $6.08M |
| Bank Premises and Fixed Assets | $8.41M |
| Cash and Balances due from Depository Institutions | $24.01M |
| Deposits Held in Domestic Offices | $360.18M |
Key Performance Ratios
| Return on Assets (ROA) | 1.05% |
| Return on Equity (ROE) | 14% |
| Net Interest Margin | 4.18% |
| Efficiency Ratio | 66.44% |
| Tier 1 Risk-Based Capital Ratio | 10.167% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.22% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.581% |
| Earning Assets to total Assets | 93.28% |
Income and Expense
| Total Interest Income | $5.95M |
| Total Noninterest Income | $986.00k |
| Total Interest Expense | $2.09M |
| Total Noninterest Expense | $3.22M |
| Net Interest Income | $3.87M |
| Pre-tax Net Operating Income | $1.41M |
| Provision for Credit Losses | $217.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $979.00k |
| Other borrowed funds | $6.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.91M |
| Total Liabilities and Capital | $401.53M |
Securities
| Securities | $40.73M |
| Available-for-sale debt securities | $40.73M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Heritage Bank & Trust?
$401.53M as of the latest filing.
How much are Heritage Bank & Trust's total deposits?
$360.18M in total deposits.
Where is Heritage Bank & Trust located?
Columbia, TN.
What is the Net Interest Margin?
4.18%.
How many domestic offices does it operate?
5.
When was it established?
03/06/2006.
What is the Return on Assets (ROA)?
1.05%.
How much are total loans and leases?
$315.15M (latest filing).
What is the total interest income (latest filing)?
$5.95M.