Heritage Bank & Trust (FDIC certificate #58220) is based in Columbia, Tennessee. Its Q2 2026 call report shows $417.8M in total assets and $377.3M in deposits and 5 offices.
Heritage Bank & Trust has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 29% of its 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 78th. Problem-loan coverage contributes the most (90/100, 5.1%); capital cushion contributes the least (35/100, 8.48%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 6 points (59 → 65), mostly because the earnings component improved by 25 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 65 |
| Q4 2024 | 56 |
| Q1 2025 | 57 |
| Q2 2025 | 59 |
| Q3 2025 | 60 |
| Q4 2025 | 61 |
| Q1 2026 | 67 |
| Q2 2026 | 65 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.77% |
| Q3 2024 | 8.43% |
| Q4 2024 | 8.51% |
| Q1 2025 | 8.50% |
| Q2 2025 | 8.38% |
| Q3 2025 | 8.33% |
| Q4 2025 | 8.31% |
| Q1 2026 | 8.42% |
| Q2 2026 | 8.48% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.16% |
| Q3 2024 | 0.10% |
| Q4 2024 | 1.01% |
| Q1 2025 | 0.73% |
| Q2 2025 | 0.52% |
| Q3 2025 | 0.44% |
| Q4 2025 | 0.41% |
| Q1 2026 | 0.40% |
| Q2 2026 | 0.36% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.74% |
| Q3 2024 | 0.72% |
| Q4 2024 | 0.78% |
| Q1 2025 | 0.63% |
| Q2 2025 | 0.66% |
| Q3 2025 | 0.79% |
| Q4 2025 | 0.87% |
| Q1 2026 | 1.55% |
| Q2 2026 | 1.28% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $417.8M | 8.48% | 0.36% | 1.28% | 93.7% |
| Q1 2026 | 67 | $417.9M | 8.42% | 0.40% | 1.55% | 92.9% |
| Q4 2025 | 61 | $406.2M | 8.31% | 0.41% | 0.87% | 93.3% |
| Q3 2025 | 60 | $401.5M | 8.33% | 0.44% | 0.79% | 87.5% |
| Q2 2025 | 59 | $390.8M | 8.38% | 0.52% | 0.66% | 84.8% |
| Q1 2025 | 57 | $402.9M | 8.50% | 0.73% | 0.63% | 80.9% |
| Q4 2024 | 56 | $386.6M | 8.51% | 1.01% | 0.78% | 83.5% |
| Q3 2024 | 65 | $377.8M | 8.43% | 0.10% | 0.72% | 81.5% |
| Q2 2024 | 66 | $369.0M | 8.77% | 0.16% | 0.74% | 82.2% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Vision Bank of TennesseeBank Tullahoma, TN | 77 out of 100, Strong | $414.2M | 12.4% | 0.08% | vs |
| Bank of FrankewingBank Frankewing, TN | 41 out of 100, Below average | $413.1M | 11.3% | 6.25% | vs |
| Coffee County BankBank Manchester, TN | 76 out of 100, Strong | $427.6M | 9.6% | 0.18% | vs |
| Volunteer Federal Savings BankBank Madisonville, TN | 75 out of 100, Strong | $397.1M | 11.2% | 0.34% | vs |
| Peoples BankBank Clifton, TN | 79 out of 100, Strong | $445.3M | 12.7% | 0.39% | vs |
| Security Federal Savings Bank of McMinnvilleBank Mcminnville, TN | 80 out of 100, Strong | $386.0M | 11.9% | 0.00% | vs |
Deposit insurance
Is my money safe at Heritage Bank & Trust?
Yes. Heritage Bank & Trust is an FDIC-insured institution (FDIC certificate #58220). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.5% of deposits ($66.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.48%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.50% (benchmark: 10%).
5 locations
Branches
Heritage Bank & Trust lists 4 offices in 4 cities. Most locations:
- Centerville, TN (1)
- Columbia, TN (1)
- Lawrenceburg, TN (1)
- Mount Pleasant, TN (1)
Identity & history
Profile
- Legal name
- Heritage Bank & Trust
- Type
- State-chartered bank
- FDIC certificate #
- 58220
- RSSD ID
- 3429219
- Primary regulator
- FDIC
- Holding company
- Heritage Financial Corp
- Established
- March 6, 2006
- Headquarters
- 217 S James M Campbell Blvd, Columbia, TN 38401
- Website
- www.heritagebankandtrust.com
- Employees
- 64
Quick answers
Heritage Bank & Trust: common questions
Is Heritage Bank & Trust FDIC insured?
Yes. Heritage Bank & Trust is an FDIC-insured institution (FDIC certificate #58220). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Heritage Bank & Trust's TellerScore?
65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Heritage Bank & Trust ever failed?
There is no failure record for FDIC certificate #58220 in the FDIC failed bank list.
How many branches does Heritage Bank & Trust have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Columbia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Tennessee Department of Safety Credit UnionCredit union Nashville, TN | 93 out of 100, Very strong | $12.0M | 26.6% | 0.00% | vs |
| Heritage South Community Credit UnionCredit union Shelbyville, TN | 88 out of 100, Very strong | $361.9M | 17.1% | 0.75% | vs |
| Republic Bank & Trust CompanyBank Louisville, KY | 84 out of 100, Strong | $7.1B | 14.8% | 0.56% | vs |
| Ascend Federal Credit UnionCredit union Tullahoma, TN | 83 out of 100, Strong | $4.8B | 14.6% | 0.49% | vs |
| First Farmers and Merchants BankBank Columbia, TN | 79 out of 100, Strong | $1.8B | 11.2% | 0.12% | vs |
| Peoples BankBank Clifton, TN | 79 out of 100, Strong | $445.3M | 12.7% | 0.39% | vs |