HERITAGE BANK OF ST TAMMANY
COVINGTON, LOUISIANA · FDIC Cert #29577
Capital & Safety Analysis
According to FDIC financial data, HERITAGE BANK OF ST TAMMANY holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject HERITAGE BANK OF ST TAMMANY to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
HERITAGE BANK OF ST TAMMANY shows some financial weakness with a Health Score of 35/100. This does not mean the bank will fail, but some financial indicators are below average. Your FDIC-insured deposits (up to $250,000) are fully protected by the US government.
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 OF ST TAMMANY has a Bank Health Score of D (35/100). It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
HERITAGE BANK OF ST TAMMANY holds $171M in total assets and $135M in total deposits. It is located in COVINGTON, LOUISIANA (FDIC Certificate #29577).
HERITAGE BANK OF ST TAMMANY has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 0.47%, and the return on assets is -0.13%.
Yes. HERITAGE BANK OF ST TAMMANY is FDIC-insured (Certificate #29577). 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.