Heritage Bank, Inc.
Burlington, KY
IDRSSD: 1469677
Total Assets
$1.89B
Latest filing
Total Deposits
$1.72B
Latest filing
Net Interest Margin
3.55%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Heritage Bank, Inc.
1818 Florence Pike
Burlington, KY 41005
Full Service - Brick and Mortar
Updated 11/14/2025Established 09/04/1990FDIC Certificate 46353
Branches (18)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Heritage Bank, Inc. (Main) | 1818 Florence Pike | Burlington, KY |
| NORTH BRANCH | 10499 Us Highway 27 N | Butler, KY |
| INDEPENDENCE BRANCH | 2040 Declaration Dr | Independence, KY |
| RIDGEWAY AVENUE BRANCH | 1057 Ridgeway Ave | Falmouth, KY |
| FLORENCE BRANCH | 7434 Us Highway 42 | Florence, KY |
| UNION BRANCH | 8751 Us Highway 42 | Union, KY |
| ERLANGER BRANCH | 456 Commonwealth Ave | Erlanger, KY |
| FORT WRIGHT BRANCH | 1911 Dixie Hwy | Fort Wright, KY |
Showing 7 of 18
Quarterly Trends
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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 | 09/04/1990 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 41005 |
| State and County Number | 21015 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Cincinnati, OH-KY-IN |
Operational Info
| Number of Employees | 231 |
| Domestic Offices | 19 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/18/2025 |
| Date of Deposit Insurance | 09/04/1990 |
| Primary Insurance Agency | DIF |
| Website | www.ourheritage.bank |
| Data Updated | 11/14/2025 |
| CERT | 33119 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.89B |
| Total Deposits | $1.72B |
| Total Liabilities | $1.77B |
| Total Equity Capital | $125.07M |
| Net Income | $5.05M |
| Net Loans and Leases | $1.25B |
| Assets Per Employee ($Millions) | $8.2M |
| Bank Premises and Fixed Assets | $20.78M |
| Cash and Balances due from Depository Institutions | $107.03M |
| Deposits Held in Domestic Offices | $1.72B |
Key Performance Ratios
| Return on Assets (ROA) | 1.09% |
| Return on Equity (ROE) | 16.93% |
| Net Interest Margin | 3.55% |
| Efficiency Ratio | 65.34% |
| Tier 1 Risk-Based Capital Ratio | 10.762% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.601% |
| Earning Assets to total Assets | 94.22% |
Income and Expense
| Total Interest Income | $25.24M |
| Total Noninterest Income | $4.18M |
| Total Interest Expense | $9.66M |
| Total Noninterest Expense | $13.03M |
| Net Interest Income | $15.58M |
| Pre-tax Net Operating Income | $6.32M |
| Provision for Credit Losses | $406.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $25.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $5.02M |
| Federal Funds Purchased and Repurchased Agreement | $6.30M |
| All Other Liabilities | $17.88M |
| Total Liabilities and Capital | $1.89B |
Securities
| Securities | $435.43M |
| Available-for-sale debt securities | $435.43M |
| 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, Inc.?
$1.89B as of the latest filing.
How much are Heritage Bank, Inc.'s total deposits?
$1.72B in total deposits.
Where is Heritage Bank, Inc. located?
Burlington, KY.
What is the Net Interest Margin?
3.55%.
How many domestic offices does it operate?
19.
When was it established?
09/04/1990.
What is the Return on Assets (ROA)?
1.09%.
How much are total loans and leases?
$1.25B (latest filing).
What is the total interest income (latest filing)?
$25.24M.