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Heritage Bank, Inc.
Burlington, KY · FDIC Certificate #33119 · Chartered 09/0
Total assets
$1.99B
Total deposits
$1.83B
Total equity
$144.15M
Net loans
$1.22B
Branches (offices)
19
Net income (YTD)
$10.50M
Rank: #610 of 4,213 U.S. banks by assets · #8 of 120 in Kentucky. Assets changed 9.3% and deposits 8.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.03% |
| Return on equity | 15.18% |
| Net interest margin (YTD) | 3.54% |
| Equity to assets | 7.23% |
| Tier 1 leverage ratio | 9.01% |
| Uninsured deposits (share of deposits) | 35.3% |
| Noncurrent loans (share of loans) | 0.47% |
| Net charge-offs (share of loans) | 0.12% |
| Loans to deposits | 67.1% |
| Real estate loans (share of loans) | 82.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.01B | 82.7% | |
| Commercial & industrial | $192.82M | 15.8% | |
| Consumer / individual | $29.43M | 2.4% | |
| Construction & development | $166.61M | 13.6% | |
| Agricultural | $262.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.45B | $1.34B | $6.98M | $75.89M |
| Jun 2023 | $1.58B | $1.34B | $7.91M | $81.08M |
| Jun 2024 | $1.74B | $1.61B | $6.95M | $94.86M |
| Jun 2025 | $1.82B | $1.69B | $8.81M | $113.68M |
| Jun 2026 | $1.99B | $1.83B | $10.50M | $144.15M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kentucky | $1.73B | 17 |
| Ohio | $99.86M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.83B.
Similar-sized banks
Yakima Federal Savings And Loan Association ($2.00B) · South Atlantic Bank ($1.98B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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