HERITAGE BANK INC
ERLANGER, KENTUCKY · FDIC Cert #33119
Capital & Safety Analysis
According to FDIC financial data, HERITAGE BANK INC holds a Tier 1 capital ratio of 10.47%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning HERITAGE BANK INC has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
HERITAGE BANK INC shows strong financial health indicators. With $1.7B in assets and a Health Score of 83/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
HERITAGE BANK INC has a Bank Health Score of A (83/100). It holds a Tier 1 capital ratio of 10.47%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
HERITAGE BANK INC holds $1.7B in total assets and $1.6B in total deposits. It is located in ERLANGER, KENTUCKY (FDIC Certificate #33119).
HERITAGE BANK INC has a Tier 1 capital ratio of 10.47%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.20%, and the return on assets is 0.98%.
Yes. HERITAGE BANK INC is FDIC-insured (Certificate #33119). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.