TellerScore

Heritage Bank, Inc. (FDIC certificate #33119) is based in Burlington, Kentucky. Its Q2 2026 call report shows $2.0B in total assets and $1.8B in deposits and 19 offices across 2 states.

Heritage Bank, Inc. has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 36% of its 897 banks with $1 billion – $10 billion. Among 120 banks headquartered in Kentucky, it ranks 89th. Problem-loan coverage contributes the most (93/100, 3.7%); capital cushion contributes the least (40/100, 9.01%).

TellerScore · Q2 2026

Scorecard

Capital cushion40/100
Tier 1 leverage ratio: 9.01%
Loan quality84/100
Noncurrent loans ÷ total loans: 0.47%
Earnings61/100
Return on assets (annualized): 1.03%
Funding & liquidity71/100
Loans ÷ deposits and uninsured-deposit share: 67.1% · 35.3% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.73%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (65 → 65).

TellerScore
616466Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202462
Q4 202461
Q1 202565
Q2 202565
Q3 202566
Q4 202566
Q1 202666
Q2 202665
Tier 1 leverage ratio
5.00%7.01%9.01%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.01%
Q3 20248.23%
Q4 20248.01%
Q1 20258.52%
Q2 20258.57%
Q3 20258.74%
Q4 20258.39%
Q1 20268.58%
Q2 20269.01%
Noncurrent loans
0.20%0.34%0.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.20%
Q3 20240.40%
Q4 20240.43%
Q1 20250.21%
Q2 20250.36%
Q3 20250.29%
Q4 20250.31%
Q1 20260.27%
Q2 20260.47%
Return on assets
0.79%0.94%1.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.79%
Q3 20240.80%
Q4 20240.94%
Q1 20250.89%
Q2 20250.96%
Q3 20251.00%
Q4 20251.08%
Q1 20261.00%
Q2 20261.03%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$2.0B9.01%0.47%1.03%67.1%
Q1 202666$2.0B8.58%0.27%1.00%68.2%
Q4 202566$2.1B8.39%0.31%1.08%65.1%
Q3 202566$1.9B8.74%0.29%1.00%72.5%
Q2 202565$1.8B8.57%0.36%0.96%70.6%
Q1 202565$1.8B8.52%0.21%0.89%68.2%
Q4 202461$1.9B8.01%0.43%0.94%65.5%
Q3 202462$1.8B8.23%0.40%0.80%69.1%
Q2 202463$1.7B8.01%0.20%0.79%67.1%

897 peers · $1 billion – $10 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).

Capital ratio9.01%
12th
Total risk-based capital12.97%
41st
Problem loans0.47%
53rd
Net charge-offs0.12%
28th
Return on assets1.03%
33rd
Net interest margin3.54%
40th
Efficiency ratio62.7%
38th
Loans to deposits67.1%
87th
Uninsured deposits35.3%
38th
Loan-loss reserves1.18%
55th
Texas ratio3.7%
49th

Similar-size banks in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Planters Bank, Inc.Bank Hopkinsville, KY77 out of 100, Strong$2.0B12.4%0.11%vs
Whitaker BankBank Lexington, KY84 out of 100, Strong$1.9B12.9%0.21%vs
South Central Bank, Inc.Bank Glasgow, KY72 out of 100, Strong$2.3B9.9%0.30%vs
Forcht Bank, National AssociationBank Lexington, KY66 out of 100, Moderate$1.6B8.2%0.05%vs
The Cecilian BankBank Cecilia, KY77 out of 100, Strong$1.6B11.0%0.40%vs
Traditional Bank, Inc.Bank Mount Sterling, KY73 out of 100, Strong$2.4B10.6%0.25%vs

Deposit insurance

Is my money safe at Heritage Bank, Inc.?

Yes. Heritage Bank, Inc. is an FDIC-insured institution (FDIC certificate #33119). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 35.3% of deposits ($645.2M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.01%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.97% (benchmark: 10%).

Check how much of your own balance is covered

19 locations

Branches

Heritage Bank, Inc. lists 19 offices in 19 cities across 2 states. Most locations:

  • Alexandria, KY (1)
  • Burlington, KY (1)
  • Butler, KY (1)
  • Cincinnati, OH (1)
  • Cold Spring, KY (1)
  • Covington, KY (1)
  • Dry Ridge, KY (1)
  • Erlanger, KY (1)
  • Falmouth, KY (1)
  • Florence, KY (1)
  • Fort Mitchell, KY (1)
  • Fort Wright, KY (1)

All branch addresses and map

Identity & history

Profile

Legal name
Heritage Bank, Inc.
Type
State-chartered bank
FDIC certificate #
33119
RSSD ID
1469677
Primary regulator
FDIC
Holding company
Commonwealth Holdings L L C
Established
September 4, 1990
Headquarters
1818 Florence Pike, Burlington, KY 41005
Employees
245

Quick answers

Heritage Bank, Inc.: common questions

Is Heritage Bank, Inc. FDIC insured?

Yes. Heritage Bank, Inc. is an FDIC-insured institution (FDIC certificate #33119). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Heritage Bank, Inc.'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, Inc. ever failed?

There is no failure record for FDIC certificate #33119 in the FDIC failed bank list.

How many branches does Heritage Bank, Inc. have?

19 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Burlington

InstitutionScoreAssetsCapitalProblem loansCompare
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Cincinnati Interagency Federal Credit UnionCredit union Cincinnati, OH92 out of 100, Very strong$30.8M18.2%0.82%vs
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