Heritage Bank, Inc.


Overview / Commentary
859-342-0920
456 Commonwealth Avenue
Erlanger, KY 41018

Heritage Bank, Inc. is headquartered in ERLANGER and is the 10th largest bank in the state of Kentucky. It is also the 641st largest bank in the nation. It was established in 1990 and as of March of 2025, it had grown to 227 employees at 19 locations. Heritage Bank, Inc. has a B+ health rating.

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Health
B+

Health Grade Components

Overall
FDIC Certificate #33119
Year Established1990
Employees227
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.89%
Return on Equity - YTD15.53%
Annual Interest Income$23.5MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.82B$1.77B
LoansQ1 2025vs Q1 2024$1.15B$1.02B
DepositsQ1 2025vs Q1 2024$1.69B$1.64B
Equity CapitalQ1 2025vs Q1 2024$108.8MM$93.4MM
Loan Loss AllowanceQ1 2025vs Q1 2024$12.7MM$12.4MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$2.5MM$2.5MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
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Locations

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