FDIC Cert #58220 · Columbia, Tennessee · Est. 2006

Heritage Bank & Trust - FDIC Bank Health Profile

A community-scale look at Heritage Bank & Trust's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$406M
Total assets
C
Health grade · Fair
0.87%
Return on assets
10.0%
Tier 1 capital

Data updated July 2026

The verdict

Heritage Bank & Trust earns a PlainBankData health grade of C (56/100), with 9.95% Tier 1 capital, 0.87% ROA, 71% efficiency ratio.

#2,067
largest of 4,313 FDIC banks by assets
52nd
percentile by asset size, nationally
9.95%
Tier 1 ratio - below the 10% well-capitalized line
33rd
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.

FDIC Call Report plate

Cert 58220 · TN C · 56/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-C C (56/100)
  • BOTTOM-DECILE #3945/4307
  • PHOTO-FINISH Goldwater Bank, N.A. · AZ
  • TIER1-ADEQ 10.0% Tier 1
  • TEXAS-CLEAN 3.8% Texas
  • ROA-PAR 0.87% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Tennessee: Goldwater Bank, N.A., AZ (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Heritage Bank & Trust

Lowest and highest poles plus nearest scored peers outside Tennessee, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/1001st Trust Bank, Inc. · KY · …56/100Goldwater Bank, N.A. · AZ · …56/100Heritage Bank & Trust · TN ·…56/100Meridian Bank · PA · near56/100Reliance Bank · MN · near56/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Heritage Bank & Trust · July 2026

What Heritage Bank & Trust's Call Report plate shows

Heritage Bank & Trust (FDIC Cert #58220) carries a PlainBankData health grade of C at 56/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,945 of 4,307. Tier 1 capital prints at 9.95%, missing the 10% well-capitalized line. The Texas Ratio is 3.81%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.87%. Balance-sheet scale is $406M, 2,067th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Goldwater Bank, N.A. (AZ), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Heritage Bank & Trust

7 FAILURE resolutions in Tennessee since 2000 (6 since 2008)

Heritage Bank & Trust's home state sits in the middle band of post-2000 FAILURE counts (7; 6 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Heritage Bank & Trust remains an active FDIC-insured reporter.

  • TRUST COMPANY BANK MEMPHIS, TN 2016 → THE BANK OF FAYETTE COUNTY
  • COMMUNITY SOUTH BANK PARSONS, TN 2013 → CB&S BANK, INC.
  • MOUNTAIN NATIONAL BANK SEVIERVILLE, TN 2013 → FIRST TENNESSEE BANK, NATIONAL ASSOCIATION

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Tennessee banks.

How Heritage Bank & Trust's 56/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10056/100
Heritage Bank & Trust's composite health score
Tier 1 Capital Ratio (9.95%) 18/40
Return on Assets (ROA) (0.87%) 14/25
Texas Ratio (3.81%) 20/20
Efficiency Ratio (70.81%) 4/15

56 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$406M

Total balance-sheet footings

Total Deposits

$364M

Customer-funded liabilities

Net Loans

$339M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.55% 9.95% 11.35%
Basel III capital ratios - Heritage Bank & Trust

Where Heritage Bank & Trust ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Heritage Bank & Trust's score of 56/100 falls in the highlighted band.

Heritage Bank & Trust: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

56 8th percentile higher than 8% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Heritage Bank & Trust 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Heritage Bank & Trust'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 & Trust's $406M falls in the highlighted band.

Safety ratios for Heritage Bank & Trust

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
9.95%
Texas Ratio
3.81%
Equity Capital
$32M

What these ratios mean →

Profitability metrics: Heritage Bank & Trust

Return on Assets (ROA)
33rd percentile nationally
0.87%
Return on Equity (ROE)
11.70%
Efficiency Ratio
70.81%

What these mean →

Income & expense at Heritage Bank & Trust

$23M
Interest Income
$3M
Non-Interest Income
$12M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Heritage Bank & Trust reports a Texas Ratio of 3.81% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.81% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Heritage Bank & Trust on FDIC BankFind →

Top banks in Tennessee by total assets

Largest banks headquartered in Tennessee
  1. 1
    First Horizon Bank $83.6B

    Memphis, TN · Grade B

  2. 2
    Pinnacle Bank $57.6B

    Nashville, TN · Grade A

  3. 3
    FirstBank $16.3B

    Nashville, TN · Grade B

  4. 4
    Wilson Bank and Trust $5.9B

    Lebanon, TN · Grade A

  5. 5
    SmartBank $5.9B

    Pigeon Forge, TN · Grade B

Top 5 banks in Tennessee ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($406M here), outside Tennessee so the neighborhood is not state containment.

Kentland Bank $407M · IN Branson Bank $406M · MO North Star Bank $407M · MN Watermark Bank $407M · OK

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Heritage Bank & Trust (FDIC Cert #58220) - 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.

Heritage Bank & Trust Call Report profile · FDIC Failed Bank List · Tennessee FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Tennessee

All Tennessee banks →
BankAssetsGradeROA
First Horizon BankMemphis $83.6B B 1.35%
Pinnacle BankNashville $57.6B A 1.25%
FirstBankNashville $16.3B B 0.89%
Wilson Bank and TrustLebanon $5.9B A 1.38%
SmartBankPigeon Forge $5.9B B 1.00%
SouthEast BankFarragut $3.5B C 0.68%
Home Federal Bank of TennesseeKnoxville $2.7B C 0.21%
Builtwell BankChattanooga $2.3B A 2.07%