Total Assets
$406M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Heritage Bank & Trust — FDIC Bank Health Profile
Columbia, Tennessee · Est. 2006. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #58220 Dallas Region
D
Health grade
Weak
Score: 36/100
Basel III capital ratios — Heritage Bank & Trust
Total Deposits
$364M
Customer-funded liabilities
Net Loans
$339M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
9.95% of risk-weighted assets — below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
9.95%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$32M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
0.87%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
11.70%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
70.81%
Income & Expense Breakdown
$23M
Interest Income
$3M
Non-Interest Income
$12M
Non-Interest Expense
FDIC Deposit Insurance
Heritage Bank & Trust is FDIC-insured (Certificate #58220). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Heritage Bank & Trust
Heritage Bank & Trust is an FDIC-insured institution (Certificate #58220) headquartered in Columbia, Tennessee, established in 2006. The bank currently holds $406M in total assets and $364M in customer deposits, with $339M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Dallas region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Heritage Bank & Trust reports a Tier 1 Capital Ratio of 9.95% — meeting the 6% "adequately capitalized" minimum but below the 10% "well-capitalized" benchmark and a Texas Ratio of —. Equity capital stands at $32M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 0.87% and a Return on Equity of 11.70%, with an Efficiency Ratio of 70.81% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of D (36/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Heritage Bank & Trust is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Tennessee by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Heritage Bank & Trust (FDIC Cert #58220) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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 Tennessee
All Tennessee banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First Horizon Bank Memphis | $83.6B | C | 1.35% |
| Pinnacle Bank Nashville | $57.6B | C | 1.25% |
| FirstBank Nashville | $16.3B | C | 0.89% |
| Wilson Bank and Trust Lebanon | $5.9B | B | 1.38% |
| SmartBank Pigeon Forge | $5.9B | C | 1.00% |
| SouthEast Bank Farragut | $3.5B | C | 0.68% |
| Home Federal Bank of Tennessee Knoxville | $2.7B | F | 0.21% |
| Builtwell Bank Chattanooga | $2.3B | B | 2.07% |
Frequently Asked Questions
What is Heritage Bank & Trust's health grade? ▼
Heritage Bank & Trust receives a health grade of D (36/100) 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 notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Heritage Bank & Trust? ▼
Heritage Bank & Trust holds $406M in total assets and $364M in deposits. It is headquartered in Columbia, Tennessee.
Is my money safe at Heritage Bank & Trust? ▼
Yes. Heritage Bank & Trust is FDIC-insured (Certificate #58220). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Heritage Bank & Trust's Tier 1 Capital Ratio? ▼
Heritage Bank & Trust has a Tier 1 Capital Ratio of 9.95%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
How efficient is Heritage Bank & Trust? ▼
Heritage Bank & Trust has an Efficiency Ratio of 70.81%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.