| Weiss Ratings |
Heritage Bank, Inc.
Erlanger, KY |
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| Rating | ||||
| Asset Quality Index | 7.40 | |||
| Capitalization Index | 6.40 | |||
| Liquidity Index | 3.90 | |||
| Profitability Index | 4.70 | |||
| Stability Index | 5.20 | |||
| Company Info |
Heritage Bank, Inc.
Erlanger, KY |
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| FDIC Number | 33119 | |||
| Phone Number | (859) 586-9200 | |||
| Website | www.ourheritage.bank | |||
| Asset Quality |
Heritage Bank, Inc.
Erlanger, KY |
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| 1-Year Asset Growth | 11.30% | |||
| 5-Year Asset Growth | 12.77% | |||
| 5-Year Charge-Offs to Average Loans | 0.01% | |||
| Charge-Offs to Average Loans | 0.06% | |||
| Non-Performing Assets to Assets | 0.39% | |||
| Non-Performing Loans to Capital | 3.26% | |||
| Non-Performing Loans to Loans | 0.64% | |||
| Balance Sheet |
Heritage Bank, Inc.
Erlanger, KY |
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| Total Assets | 2.09B | |||
| Total Deposits | 1.93B | |||
| Capital and Reserves |
Heritage Bank, Inc.
Erlanger, KY |
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| Capital | 134.20M | |||
| Leverage Ratio | 8.39 | |||
| Loan Loss Reserves to Loans | 1.12% | |||
| Risk-Based Capital Ratio | 12.23 | |||
| Liquidity |
Heritage Bank, Inc.
Erlanger, KY |
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| Hot Money Ratio | 11.15% | |||
| Liquidity Ratio | 26.23% | |||
| Profitability |
Heritage Bank, Inc.
Erlanger, KY |
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| 5-Year Return on Average Assets | 1.04% | |||
| Net Income | 20.65M | |||
| Net Interest Spread | 3.47% | |||
| Operating Profit to Average Assets | 1.29% | |||
| Overhead Efficiency Ratio | 64.17% | |||
| Return on Assets | 1.08% | |||
| Return on Equity | 17.71% | |||