Heritage Bank of St. Tammany

Overview / Commentary

www.heritagebank.org

985-892-4565

205 North Columbia Street
Covington, LA 70433

Heritage Bank of St. Tammany is headquartered in Covington and is the 93^rd largest bank in the state of Louisiana. It is also the 3,828^th largest bank in the nation. It was established in 1924 and as of December of 2018, it had grown to 23 employees at 3 locations. Heritage Bank of St. Tammany's CD rates are 2X the national average, and it boasts an A+ health rating.

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Health

A+

Data as of Q4 2018

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Health Grade Components

Overall
FDIC Certificate #	29577
Year Established	1924
Employees	23
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.57%
Return on Equity - YTD	3.62%
Annual Interest Income	$5.1MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$119.5MM$110.0MM
Loans	Q4 2018vs Q4 2017	$97.5MM$88.0MM
Deposits	Q4 2018vs Q4 2017	$83.5MM$77.3MM
Equity Capital	Q4 2018vs Q4 2017	$18.3MM$17.7MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$768.00K$756.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$97.00K$390.00K
Real Estate Owned	Q4 2018vs Q4 2017	$0$84.00K

Rates

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Savings
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
0.45%^*	$50k^*	-	Health Savings Account
OTHER TIERS: 0.10% → $10 - $10k \| 0.30% → $10k - $50k
0.35%^*	$100k^*	-	Statement Savings
OTHER TIERS: 0.10% → $10 - $10k \| 0.15% → $10k - $50k \| 0.25% → $50k - $100k
0.10%	-	-	Christmas Club Account

Heritage Bank of St. Tammany Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.50%^*	-	$10k	Prime Bonus Interest Checking
OTHER TIERS: 0.25% → $10k+
0.30%^*	$1k^*	$10k	Interest Checking
OTHER TIERS: 0.10% → $50k+ \| 0.20% → $10k - $50k

Heritage Bank of St. Tammany CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.63%	$500	-	5 Year CD
2.48%	$500	-	3 Year CD
2.43%	$500	-	2 1/2 Year CD
2.43%	$500	-	14 Month CD Special
2.33%	$500	-	2 Year Bump CD
2.12%	$500	-	1 1/2 Year CD
1.87%	$500	-	1 Year CD
1.77%	$500	-	10 Year CD (renewals only)
1.71%	$500	-	7 Year CD
1.66%	$500	-	6 Month CD
1.31%	$500	-	4 Year Bump CD (renewals only)
0.20%	$500	-	91 Day CD

Heritage Bank of St. Tammany IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.48%	$100	-	3 Year IRA
2.43%	$100	-	2 1/2 Year IRA
2.12%	$100	-	1 1/2 Year IRA
1.87%	$100	-	1 Year IRA

Locations

Heritage Bank of St. Tammany Locations
200 Gause Blvd Branch	200 Gause Boulevard	Slidell, LA 70458
St Tammany Homestead Savings and Loan Association	205 North Columbia Street	Covington, LA 70433
Madisonville	707 Main Street	Madisonville, LA 70447

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