Heritage Bank & Trust

Overview / Commentary

www.heritagebankandtrust.com

931-388-1970

217 South James M. Campbell Boulevard
Columbia, TN 38401

Heritage Bank & Trust is headquartered in COLUMBIA and is the 64^th largest bank in the state of Tennessee. It is also the 2,160^th largest bank in the nation. It was established in 2006 and as of June of 2024, it had grown to 61 employees at 5 locations. Heritage Bank & Trust has an A health rating.

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Health

Data as of Q2 2024

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Health Grade Components

Overall
FDIC Certificate #	58220
Year Established	2006
Employees	61
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.74%
Return on Equity - YTD	10.3%
Annual Interest Income	$10.1MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$369MM$316.4MM
Loans	Q2 2024vs Q2 2023	$276.7MM$241.4MM
Deposits	Q2 2024vs Q2 2023	$336.5MM$281.5MM
Equity Capital	Q2 2024vs Q2 2023	$27.2MM$22.4MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$5.5MM$4.8MM
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$458K$634K
Real Estate Owned	Q2 2024vs Q2 2023	$359K$0

Rates

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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 & Trust Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.00%^*	$0	$50k	Great Rate Saver
OTHER TIERS: 0.25% → $50k+

Heritage Bank & Trust Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
5.00%^*	$0	$50k	Great Rate Checking
OTHER TIERS: 1.83% → $50k+

Locations

Heritage Bank & Trust Locations
Heritage Bank & Trust	217 S James M Campbell Blvd	Columbia, TN 38401
Heritage Bank & Trust Branch	109 S. Main Street	Mount Pleasant, TN 38474
North Locust Avenue Branch	2305 North Locust Avenue	Lawrenceburg, TN 38464

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