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Overview / Commentary
205 North Columbia Street
Covington, LA 70433

Heritage Bank of St. Tammany is headquartered in Covington and is the 108th largest bank in the state of Louisiana. It is also the 4,409th largest bank in the nation. It was established in 1924 and as of December of 2016, it had grown to 21 employees at 2 locations. Heritage Bank of St. Tammany's CD rates are 23% higher than the national average, and it has a B+ health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Heritage Bank of St. Tammany has a relatively low asset base.

Health Grade Components

FDIC Certificate #29577
Year Established1924
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.16%
Return on Equity - YTD1.66%
Annual Interest Income$4.1MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$98.0MM$96.5MM
LoansQ4 2016vs Q4 2015$74.7MM$72.0MM
DepositsQ4 2016vs Q4 2015$74.5MM$73.8MM
Equity CapitalQ4 2016vs Q4 2015$9.5MM$9.3MM
Loan Loss AllowanceQ4 2016vs Q4 2015$692.00K$592.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$515.00K$1.2MM
Real Estate OwnedQ4 2016vs Q4 2015$93.00K$756.00K
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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 of St. Tammany Savings Account Rates

0.45%*$50k*-Health Savings Account
OTHER TIERS: 0.10% $10 - $10k | 0.30% $10k - $50k
0.25%*$50k*-Statement Savings
OTHER TIERS: 0.10% $10 - $10k | 0.15% $10k - $50k
0.10%--Christmas Club

Heritage Bank of St. Tammany Checking Account Rates

0.30%*$1k*$10kInterest Checking
OTHER TIERS: 0.10% $50k+ | 0.20% $10k - $50k

Heritage Bank of St. Tammany CD Rates

1.77%$500-10 Year CD (renewals only)
1.71%$500-5 Year CD
1.71%$500-7 Year CD
1.36%$500-2 1/2 Year CD
1.31%$500-3 Year CD
1.31%$500-4 Year Bump CD (renewals only)
1.26%$500-2 Year Bump CD
1.11%$500-1 Year CD
1.11%$500-1 1/2 Year CD
0.75%$500-6 Month CD
0.20%$500-91 Day CD

Heritage Bank of St. Tammany IRA Rates

1.36%$100-3 Year IRA
1.31%$100-2 1/2 Year IRA
1.11%$100-1 1/2 Year IRA
1.01%$100-1 Year IRA

Heritage Bank of St. Tammany Locations
200 Gause Blvd Branch200 Gause BoulevardSlidell, LA 70458
St Tammany Homestead Savings and Loan Association205 North Columbia StreetCovington, LA 70433