Heritage First Bank (GA)

Overview / Commentary
501 Broad Street
Rome, GA 30161-3096

Heritage First Bank (GA) is headquartered in Rome and is the 99th largest bank in the state of Georgia. It is also the 3,284th largest bank in the nation. It was established in 1904 and as of June of 2020, it had grown to 40 employees at 3 locations. Heritage First Bank (GA) has a B+ health rating.


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Health Grade Components

FDIC Certificate #20761
Year Established1904
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.72%
Return on Equity - YTD6.81%
Annual Interest Income$3.9MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$167.6MM$137.9MM
LoansQ2 2020vs Q2 2019$124.3MM$111.2MM
DepositsQ2 2020vs Q2 2019$150.1MM$122.2MM
Equity CapitalQ2 2020vs Q2 2019$16.8MM$15.3MM
Loan Loss AllowanceQ2 2020vs Q2 2019$1.4MM$1.0MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$2.0MM$919.00K
Real Estate OwnedQ2 2020vs Q2 2019$325.00K$778.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Heritage First Bank (GA) Savings Account Rates

0.05%$100-Heritage Personal Savings
0.05%$100-Heritage Health Savings
0.05%--Heritage Christmas Club

Heritage First Bank (GA) Money Market Rates

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

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

Heritage First Bank (GA) Locations
Heritage First Bank501 Broad StreetRome, GA 30161
West Rome Branch2211 Shorter Avenue SouthwestRome, GA 30165
Armuchee Branch2950 Martha Berry Boulevard NeRome, GA 30165

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