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Overview / Commentary
456 Commonwealth Avenue
Erlanger, KY 41018

Heritage Bank, Inc. is headquartered in Erlanger and is the 18th largest bank in the state of Kentucky. It is also the 1,045th largest bank in the nation. It was established in 1990 and as of December of 2016, it had grown to 150 employees at 17 locations. Heritage Bank, Inc. has an A health rating.


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Health Grade Components

FDIC Certificate #33119
Year Established1990
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.96%
Return on Equity - YTD9.6%
Annual Interest Income$25.6MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$702.0MM$596.3MM
LoansQ4 2016vs Q4 2015$468.7MM$416.8MM
DepositsQ4 2016vs Q4 2015$606.9MM$508.4MM
Equity CapitalQ4 2016vs Q4 2015$64.4MM$60.6MM
Loan Loss AllowanceQ4 2016vs Q4 2015$5.8MM$4.7MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$3.9MM$6.2MM
Real Estate OwnedQ4 2016vs Q4 2015$1.6MM$809.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Heritage Bank, Inc. Savings Account Rates

0.15%$100-Savings Account
0.15%$50-IRA Savings
0.15%$100-Business Savings Account

Heritage Bank, Inc. Money Market Rates

0.20%*$25k*-Personal Money Market Account
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $25k
0.20%*$25k*-Business Money Market Account
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $25k

Heritage Bank, Inc. Checking Account Rates

0.20%*$25k*-NOW Account
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $25k
0.20%*$25k*-Heritage 50 Checking
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $25k
0.20%*$25k*-Business NOW Account
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $25k
0.20%*$25k*-Business Heritage 50 Checking
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $25k
0.10%$10k-Legacy Small Business Checking

Heritage Bank, Inc. CD Rates

1.30%$2k-35 Month Promotional CD
1.30%$2k-Business 35 Month Promotional CD
1.25%$500-5 Year CD
1.25%$500-Business 5 Year CD
1.00%$500-4 Year CD
1.00%$500-Business 4 Year CD
0.90%$2k-18 Month Choice CD
0.90%$2k-Business 18 Month Choice CD
0.75%$500-3 Year CD
0.75%$500-Business 3 Year CD
0.60%$500-2 Year CD
0.60%$500-Business 2 Year CD
0.50%$500-18 Month CD
0.50%$500-Business 18 Month CD
0.35%$500-1 Year CD
0.35%$500-Business 1 Year CD
0.25%$1,500-182-364 Day CD
0.25%$1,500-Business 182-364 Day CD
0.20%$1,500-32-90 Day CD
0.20%$1,500-91-181 Day CD
0.20%$1,500-Business 32-90 Day CD
0.20%$1,500-Business 91-181 Day CD
0.10%$1,500-7-31 Day CD
0.10%$1,500-Business 7-31 Day CD

Heritage Bank, Inc. IRA Rates

1.25%$500-5 Year IRA
1.00%$500-4 Year IRA
0.75%$500-3 Year IRA
0.60%$500-2 Year IRA
0.50%$500-18 Month IRA
0.35%$500-1 Year IRA
0.25%$1,500-182-364 Day IRA
0.20%$1,500-32-90 Day IRA
0.20%$1,500-91-181 Day IRA
0.10%$1,500-7-31 Day IRA

Heritage Bank, Inc. has 17 locations. Click to view all Heritage Bank, Inc. locations.