Heritage First Bank (GA)

Overview / Commentary

www.heritagefirstbank.com

706-378-5300

501 Broad Street
Rome, GA 30161-3096

Heritage First Bank (GA) is headquartered in Rome and is the 102^nd largest bank in the state of Georgia. It is also the 3,360^th largest bank in the nation. It was established in 1904 and as of December of 2019, it had grown to 43 employees at 3 locations. Heritage First Bank (GA) has a B+ health rating.

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Health

B+

Data as of Q4 2019

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Health Grade Components

Overall
FDIC Certificate #	20761
Year Established	1904
Employees	43
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.02%
Return on Equity - YTD	9.41%
Annual Interest Income	$7.6MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$147.7MM$133.5MM
Loans	Q4 2019vs Q4 2018	$118.2MM$109.3MM
Deposits	Q4 2019vs Q4 2018	$131.1MM$117.6MM
Equity Capital	Q4 2019vs Q4 2018	$16.1MM$14.3MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$1.2MM$1.0MM
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$1.8MM$888.00K
Real Estate Owned	Q4 2019vs Q4 2018	$591.00K$268.00K

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 First Bank (GA) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%	$100	-	Heritage Personal Savings
0.05%	$100	-	Heritage Health Savings
0.05%	-	-	Heritage Christmas Club

Heritage First Bank (GA) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%^*	$25k^*	-	Heritage Personal Premium Money Market
OTHER TIERS: 0.07% → Up to $25k
0.07%^*	$25k^*	-	Heritage Business Premium Money Market
OTHER TIERS: 0.05% → Up to $25k

Heritage First Bank (GA) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.07%	$1k	-	Heritage Prime Checking
0.07%	$1k	-	Heritage Business Interest Checking
0.07%^*	$50k^*	-	Heritage IOLTA
OTHER TIERS: 0.05% → $1k - $50k
0.05%	$1k	-	Heritage Interest Checking

Locations

Heritage First Bank (GA) Locations
Heritage First Bank	501 Broad Street	Rome, GA 30161
West Rome Branch	2211 Shorter Avenue Southwest	Rome, GA 30165
Armuchee Branch	2950 Martha Berry Boulevard Ne	Rome, GA 30165

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