Heritage Bank of St Tammany
Covington, LA
IDRSSD: 194570
Total Assets
$185.31M
Latest filing
Total Deposits
$158.90M
Latest filing
Net Interest Margin
2.96%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Heritage Bank of St Tammany
205 N Columbia St
Covington, LA 70433
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1924FDIC Certificate 42411
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Heritage Bank of St Tammany (Main) | 205 N Columbia St | Covington, LA |
| 200 GAUSE BLVD BRANCH | 200 Gause Blvd | Slidell, LA |
| MADISONVILLE | 707 Main St | Madisonville, LA |
| COPPERSTILL BRANCH | 13102 Highway 1085 | Covington, LA |
Showing 3 of 3
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 | N/A |
| Primary Regulator | OCC |
| Established Date | 01/01/1924 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 70433 |
| State and County Number | 22103 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 38 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | New Orleans-Metairie, LA |
Operational Info
| Number of Employees | 23 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/18/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.heritagebank.org |
| Data Updated | 11/14/2025 |
| CERT | 29577 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $185.31M |
| Total Deposits | $158.90M |
| Total Liabilities | $165.97M |
| Total Equity Capital | $19.33M |
| Net Income | $-78,000 |
| Net Loans and Leases | $145.03M |
| Assets Per Employee ($Millions) | $7.41M |
| Bank Premises and Fixed Assets | $6.30M |
| Cash and Balances due from Depository Institutions | $16.52M |
| Deposits Held in Domestic Offices | $158.90M |
Key Performance Ratios
| Return on Assets (ROA) | -0.17% |
| Return on Equity (ROE) | -1.62% |
| Net Interest Margin | 2.96% |
| Efficiency Ratio | 106.41% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.433% |
| Earning Assets to total Assets | 92.68% |
Income and Expense
| Total Interest Income | $2.55M |
| Total Noninterest Income | $300.00k |
| Total Interest Expense | $1.27M |
| Total Noninterest Expense | $1.68M |
| Net Interest Income | $1.27M |
| Pre-tax Net Operating Income | $-101,000 |
| Provision for Credit Losses | $0 |
| 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 | $5.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.57M |
| Total Liabilities and Capital | $185.31M |
Securities
| Securities | $11.95M |
| Available-for-sale debt securities | $5.79M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $6.16M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Heritage Bank of St Tammany?
$185.31M as of the latest filing.
How much are Heritage Bank of St Tammany's total deposits?
$158.90M in total deposits.
Where is Heritage Bank of St Tammany located?
Covington, LA.
What is the Net Interest Margin?
2.96%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1924.
What is the Return on Assets (ROA)?
-0.17%.
How much are total loans and leases?
$145.03M (latest filing).
What is the total interest income (latest filing)?
$2.55M.