HERITAGE BANK&TRUST
COLUMBIA, TENNESSEE · FDIC Cert #58220
Capital & Safety Analysis
According to FDIC financial data, HERITAGE BANK&TRUST holds a Tier 1 capital ratio of 11.17%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning HERITAGE BANK&TRUST has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
HERITAGE BANK&TRUST shows strong financial health indicators. With $369M in assets and a Health Score of 74/100, 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&TRUST has a Bank Health Score of B (74/100). It holds a Tier 1 capital ratio of 11.17%, 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&TRUST holds $369M in total assets and $337M in total deposits. It is located in COLUMBIA, TENNESSEE (FDIC Certificate #58220).
HERITAGE BANK&TRUST has a Tier 1 capital ratio of 11.17%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.16%, and the return on assets is 1.00%.
Yes. HERITAGE BANK&TRUST is FDIC-insured (Certificate #58220). 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.