Total Assets
$2.0B
Total Deposits
$1.8B
Branches
19
Established
1990
Heritage Bank, Inc. is a bank headquartered in Burlington, Kentucky, established in 1990. It holds $2.0B in total assets across 19 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Heritage Bank, Inc. earns a TFS Financial Health Grade of B- (75.8/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
75.8 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Heritage Bank, Inc.HQ | 1818 Florence Pike | Burlington | KY | 11 |
| Heritage Bank, Inc. | 7593 Alexandria Pike | Alexandria | KY | 11 |
| Heritage Bank, Inc. | 10499 Us Highway 27 N | Butler | KY | 11 |
| Heritage Bank, Inc. | 4929 Alexandria Pike | Cold Spring | KY | 11 |
| Heritage Bank, Inc. | 3600 Decoursey Ave | Covington | KY | 11 |
| Heritage Bank, Inc. | 48 Broadway St | Dry Ridge | KY | 11 |
| Heritage Bank, Inc. | 456 Commonwealth Ave | Erlanger | KY | 11 |
| Heritage Bank, Inc. | 1057 Ridgeway Ave | Falmouth | KY | 11 |
| Heritage Bank, Inc. | 7434 Us Highway 42 | Florence | KY | 11 |
| Heritage Bank, Inc. | 350 Buttermilk Pike | Fort Mitchell | KY | 11 |
| Heritage Bank, Inc. | 1911 Dixie Hwy | Fort Wright | KY | 11 |
| Heritage Bank, Inc. | 2101 Medical Arts Dr | Hebron | KY | 11 |
| Heritage Bank, Inc. | 2040 Declaration Dr | Independence | KY | 11 |
| Heritage Bank, Inc. | 647 Monmouth St | Newport | KY | 11 |
| Heritage Bank, Inc. | 8751 Us Highway 42 | Union | KY | 11 |
| Heritage Bank, Inc. | 235 Mary Grubbs Hwy | Walton | KY | 11 |
| Heritage Bank, Inc. | 229 S Main St | Williamstown | KY | 11 |
| Heritage Bank, Inc. | 9749 Montgomery Rd | Cincinnati | OH | 11 |
| Heritage Bank, Inc. | 6310 Tylersville Rd | Mason | OH | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
75.8
Tier 1 capital ratio
9.01%
Return on assets
1.03%
Non-performing loans
0.47%
Efficiency ratio
62.67%
Asset growth (YoY)
9.25%
Suggested direct comparisons
Lexington, KY
$4.0B
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.