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Heritage Bank & Trust
Columbia, TN · FDIC Certificate #58220 · Chartered 03/0
Total assets
$417.81M
Total deposits
$377.34M
Total equity
$33.44M
Net loans
$353.47M
Branches (offices)
4
Net income (YTD)
$2.66M
Rank: #2,007 of 4,213 U.S. banks by assets · #59 of 109 in Tennessee. Assets changed 6.9% and deposits 6.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.28% |
| Return on equity | 16.32% |
| Net interest margin (YTD) | 4.16% |
| Equity to assets | 8.00% |
| Tier 1 leverage ratio | 8.48% |
| Uninsured deposits (share of deposits) | 17.5% |
| Noncurrent loans (share of loans) | 0.36% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 93.7% |
| Real estate loans (share of loans) | 98.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $346.81M | 98.1% | |
| Commercial & industrial | $8.88M | 2.5% | |
| Consumer / individual | $2.90M | 0.8% | |
| Construction & development | $41.42M | 11.7% | |
| Agricultural | $665.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $260.91M | $240.50M | $673.00K | $18.59M |
| Jun 2023 | $316.40M | $281.54M | $805.00K | $22.44M |
| Jun 2024 | $369.04M | $336.52M | $1.36M | $27.22M |
| Jun 2025 | $390.80M | $356.15M | $1.29M | $28.91M |
| Jun 2026 | $417.81M | $377.34M | $2.66M | $33.44M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $377.34M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $377.34M.
Similar-sized banks
Lusitania Savings Bank ($418.12M) · Ma Bank ($417.29M)
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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