HERITAGE FINANCIAL CORP is the bank holding company. HERITAGE BANK & TRUST 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 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 holding company'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 holding company. Asset figures are from the most recent FDIC call report.