HERITAGE BANCSHARES INC is the bank holding company. FIRST EXCHANGE BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

HERITAGE BANCSHARES INC

Legal name: HERITAGE BANCSHARES, INC.

1 active bank · $385M combined assets

RSSD ID: 2257116 (FFIEC NIC)

Combined Assets

$385M

CRA Rating Summary

Satisfactory1charter

Across all 7 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankFIRST EXCHANGE BANKWHITE HALL, WVSatisfactory$385MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$385M

1 active bank

Financial Summary

FDIC Call Reports

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

Total Deposits

$351M

Net Income

$851K

ROA (avg)

0.89%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2023Lender rankings →

Aggregated HMDA data across all active charters for 2023.

Applications

310

Origination Rate

64.84%

Denial Rate

15.16%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
FIRST EXCHANGE BANK	WHITE HALL, WV	FDIC	$385M	100.0%	Satisfactory	Jan 2021

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