🏦Bank Scorer

HERITAGE BANK & TRUST

COLUMBIA, TN · Supervised by FDIC

Est. 2006FDIC #58,220RSSD: FDIC-58220
Part ofHERITAGE FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: October 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.55%

Institution Profile

FDIC BankFind

Address

217 S James M Campbell Blvd, COLUMBIA, TN

County

Maury County

Established

March 6, 2006

Total Assets

$418M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$418M

Total Deposits

$374M

Net Loans

$347M

Net Income

$2M

ROA

1.55%

ROE

19.84%

Risk-Based Capital

11.37%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate16.24%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$356M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202411763.25%16.24%
202315384.31%3.92%
202217586.29%6.86%
202113588.15%6.67%
201913889.86%6.52%
201811982.35%5.88%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 2008

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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