HERITAGE FINANCIAL CORP is the parent banking group. HERITAGE BANK & TRUST is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

HERITAGE FINANCIAL CORP

Legal name: HERITAGE FINANCIAL CORPORATION

1 active bank · $418M combined assets

RSSD ID: 5513121 (FFIEC NIC)

Combined Assets

$418M

CRA Rating Summary

Satisfactory1charter

Across all 5 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankHERITAGE BANK & TRUSTCOLUMBIA, TNSatisfactory$418MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$418M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$374M

Net Income

$2M

ROA (avg)

1.55%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

117

Origination Rate

63.25%

Denial Rate

16.24%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
HERITAGE BANK & TRUST	COLUMBIA, TN	FDIC	$418M	100.0%	Satisfactory	Oct 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.