Total Assets
$2.1B
Total balance-sheet footings
FDIC Cert #33119 · Burlington, Kentucky · Est. 1990
Heritage Bank, Inc. - FDIC Bank Health Profile
A community-scale look at Heritage Bank, Inc.'s own numbers, pulled straight from its quarterly FDIC Call Report.
- $2.1B
- Total assets
- B
- Health grade · Good
- 1.08%
- Return on assets
- 11.2%
- Tier 1 capital
Data updated July 2026
The verdict
Heritage Bank, Inc. earns a PlainBankData health grade of B (76/100), with well-capitalized at 11.21% Tier 1, profitable at 1.08% ROA, 64% efficiency ratio.
- #570
- largest of 4,313 FDIC banks by assets
- 87th
- percentile by asset size, nationally
- 11.21%
- Tier 1 ratio - above the 10% well-capitalized line
- 49th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Heritage Bank, Inc.'s 76/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Heritage Bank, Inc.'s composite health score
Tier 1 Capital Ratio (11.21%) 28/40
Return on Assets (ROA) (1.08%) 20/25
Texas Ratio (2.62%) 20/20
Efficiency Ratio (63.67%) 8/15
76 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.9B
Customer-funded liabilities
Net Loans
$1.3B
Outstanding loan book
Net Income
$21M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Heritage Bank, Inc. ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Heritage Bank, Inc.'s score of 76/100 falls in the highlighted band.
Heritage Bank, Inc.'s size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Heritage Bank, Inc.'s $2.1B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.21% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.21%
Texas Ratio
2.62%
Equity Capital
$134M
Profitability metrics
Return on Assets (ROA)
49th percentile nationally
1.08%
Return on Equity (ROE)
17.64%
Efficiency Ratio
63.67%
What the numbers say about Heritage Bank, Inc.
Heritage Bank, Inc. is an FDIC-insured institution (Certificate #33119) headquartered in Burlington, Kentucky, established in 1990. It holds $2.1B in total assets - 570th of 4,313 FDIC-insured banks, $1.9B in customer deposits, and $1.3B in net loans. Looking at capital strength, Tier 1 stands at 11.21%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 2.62%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (76/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Kentucky, Heritage Bank, Inc. ranks 7th of 120 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$100M
Interest Income
$16M
Non-Interest Income
$49M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Heritage Bank, Inc. reports a Texas Ratio of 2.62% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.62% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kentucky by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Heritage Bank, Inc. (FDIC Cert #33119) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Kentucky
All Kentucky banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Stock Yards Bank & Trust CompanyLouisville | $9.5B | A | 1.57% |
| Republic Bank & Trust CompanyLouisville | $7.0B | A | 1.89% |
| Community Trust Bank, Inc.Pikeville | $6.6B | A | 1.50% |
| Central Bank & Trust Co.Lexington | $3.9B | B | 1.16% |
| Independence Bank of KentuckyOwensboro | $3.8B | B | 0.80% |
| Traditional Bank, Inc.Mount Sterling | $2.5B | B | 0.80% |
| South Central Bank, Inc.Glasgow | $2.1B | A | 1.25% |
| Planters Bank, Inc.Hopkinsville | $1.9B | A | 1.17% |
Frequently asked questions
What is Heritage Bank, Inc.'s health grade?▼
Heritage Bank, Inc. receives a health grade of B (76/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Heritage Bank, Inc.?▼
Heritage Bank, Inc. holds $2.1B in total assets and $1.9B in deposits, ranking 570th of 4,313 FDIC-insured banks by asset size. It is headquartered in Burlington, Kentucky.
Is my money safe at Heritage Bank, Inc.?▼
Yes, deposits at Heritage Bank, Inc. (Certificate #33119) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Heritage Bank, Inc.'s Tier 1 Capital Ratio?▼
Heritage Bank, Inc. has a Tier 1 Capital Ratio of 11.21%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Heritage Bank, Inc.?▼
Heritage Bank, Inc. has a Texas Ratio of 2.62%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Heritage Bank, Inc.?▼
Heritage Bank, Inc. has an Efficiency Ratio of 63.67%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Heritage Bank, Inc.'s profile as a depositor or analyst.
- Heritage Bank, Inc.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Heritage Bank, Inc. against other Kentucky banks before moving funds. Kentucky banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.