Listed locations
18
Institution profile
Heritage Bank, Inc.
Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- Heritage Bank, Inc.
- Display name
- Heritage Bank, Inc.
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- September 4, 1990
- Established date
- September 4, 1990
- Charter class
- State-chartered commercial bank, not a member of the Federal Reserve System (FRS)
- Primary federal regulator
- Federal Deposit Insurance Corporation
- Headquarters
- Burlington, KY, 41005, United States
- Website
- https://www.ourheritage.bank
- FDIC certificate number
- 33119
- Federal Reserve RSSD ID
- 1469677
- Domestic location count
- 19
- Source observed
- August 5, 2026
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- FDIC
- Institution type
- Non-member Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 33119
- Federal Reserve RSSD ID
- 1469677
- LEI
- 549300XT5WP4TMNXL317
- Headquarters
- 1818 Florence Pike, Burlington, KY, 41005, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Branch network
Showing 1 through 18 of 18 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| ALEXANDRIA OFFICE BRANCH | 7953 Alexandria Pike | Alexandria | KY | 41001 |
| BURLINGTON BRANCH | 1818 Florence Pike | Burlington | KY | 41005 |
| BUTLER OFFICE | 10499 US 27 North | Butler | KY | 41006 |
| COLD SPRING BRANCH | 4929 Alexandria Pike | Cold Spring | KY | 41076 |
| LATONIA OFFICE | 3600 Decoursey Avenue | Covington | KY | 41015 |
| DRY RIDGE OFFICE | 48 Broadway | Dry Ridge | KY | 41035 |
| FALMOUTH BRANCH | 1057 Ridgeway Avenue | Falmouth | KY | 41040 |
| FLORENCE BRANCH | 7434 U.s. 42 | Florence | KY | 41042 |
| FORT MITCHELL BRANCH | 350 Buttermilk Pike | Fort Mitchell | KY | 41017 |
| FORT WRIGHT BRANCH | 1911 Dixie Highway | Fort Wright | KY | 41011 |
| HEBORN BRANCH | 2101 Medical Arts Dr. | Hebron | KY | 41048 |
| INDEPENDENCE OFFICE | 2040 Declaration Drive | Independence | KY | 41051 |
| NEWPORT OFFICE | 647 Monmouth Street | Newport | KY | 41071 |
| UNION BRANCH | 8751 U.s. 42 | Union | KY | 41091 |
| WALTON BRANCH | 235 Mary Grubbs Highway | Walton | KY | 41094 |
| WILLIAMSTOWN BRANCH | 229 South Main Street | Williamstown | KY | 41097 |
| MONTGOMERY BRANCH | 9749 Montgomery Road | Blue Ash | OH | 45242 |
| MASON BRANCH | 6310 Tylersville Road | Mason | OH | 41018 |
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Satisfactory
- Exam date
- April 1, 2024
- Regulator
- FDIC
- Examination method
- Intermediate Small Bank
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| April 1, 2024 | Satisfactory | FDIC | Intermediate Small Bank |
| June 1, 2021 | Satisfactory | FDIC | Intermediate Small Bank |
| September 1, 2018 | Satisfactory | FDIC | Intermediate Small Bank |
| November 1, 2016 | Satisfactory | FDIC | Intermediate Small Bank |
| March 1, 2014 | Satisfactory | FDIC | Intermediate Small Bank |
| December 1, 2010 | Satisfactory | FDIC | Intermediate Small Bank |
| October 1, 2007 | Satisfactory | FDIC | Intermediate Small Bank |
| December 1, 2002 | Satisfactory | FDIC | Small Bank |
| March 1, 1998 | Satisfactory | FDIC | Small Bank |
| October 1, 1995 | Satisfactory | FDIC | Not Reported |
| August 1, 1993 | Satisfactory | FDIC | Not Reported |
| June 1, 1991 | Satisfactory | FDIC | Not Reported |
Institutional history
1 FFIEC NIC history event
Showing 1 of 1 history events
| Event date | Event type | Related institution |
|---|---|---|
| April 7, 2012 | Charter Discontinued (Merger or Purchase & Assumption) | — |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC-reported organizational relationships
2 FFIEC NIC relationship records
Showing 1 through 2 of 2 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| Direct relationship | HERITAGE INVESTCORP, INC. | Domestic Entity Other | Burlington, KY |
| ROOT_INSTITUTION | HERITAGE BANK, INC. | Non-member Bank | Burlington, KY |
These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured state-chartered nonmember bank