HERITAGE CMNTY BK

COLUMBUS, IN · Supervised by Federal Reserve (FRB)

RSSD: FRB-8547

Satisfactory Same

Current rating · Exam: September 2003

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Is this bank safe?

HERITAGE CMNTY BK holds a Satisfactory CRA rating (2003).

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

September 8, 2003

Exam Type

Large Bank

Regulator

Federal Reserve (FRB)

What is a CRA rating? →

⚠️This exam is 22 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Download Evaluation Report (PDF)

Financial, branch, mortgage lending, and complaint data not available

This institution does not have a matched FDIC certificate in our database. Call Report financials, branch footprint, HMDA lending data, and CFPB complaints are sourced via FDIC cert and cannot be displayed without it.

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Sep 2003	Satisfactory	Large Bank
May 1999	Satisfactory	Large Bank
Jun 1997	Satisfactory	Large Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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