| Weiss Ratings |
Heritage Bank & Trust
Columbia, TN |
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| Rating | ||||
| Asset Quality Index | 6.70 | |||
| Capitalization Index | 6.50 | |||
| Liquidity Index | 0.30 | |||
| Profitability Index | 5.90 | |||
| Stability Index | 3.70 | |||
| Company Info |
Heritage Bank & Trust
Columbia, TN |
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| FDIC Number | 58220 | |||
| Phone Number | (931) 388-1970 | |||
| Website | www.heritagebankandtrust.com | |||
| Asset Quality |
Heritage Bank & Trust
Columbia, TN |
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| 1-Year Asset Growth | 6.91% | |||
| 5-Year Asset Growth | 19.84% | |||
| 5-Year Charge-Offs to Average Loans | 0.04% | |||
| Charge-Offs to Average Loans | 0.00% | |||
| Non-Performing Assets to Assets | 0.48% | |||
| Non-Performing Loans to Capital | 3.08% | |||
| Non-Performing Loans to Loans | 0.36% | |||
| Balance Sheet |
Heritage Bank & Trust
Columbia, TN |
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| Total Assets | 417.81M | |||
| Total Deposits | 377.34M | |||
| Capital and Reserves |
Heritage Bank & Trust
Columbia, TN |
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| Capital | 33.44M | |||
| Leverage Ratio | 8.48 | |||
| Loan Loss Reserves to Loans | 1.62% | |||
| Risk-Based Capital Ratio | 11.50 | |||
| Liquidity |
Heritage Bank & Trust
Columbia, TN |
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| Hot Money Ratio | 25.18% | |||
| Liquidity Ratio | 6.78% | |||
| Profitability |
Heritage Bank & Trust
Columbia, TN |
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| 5-Year Return on Average Assets | 0.92% | |||
| Net Income | 2.66M | |||
| Net Interest Spread | 4.04% | |||
| Operating Profit to Average Assets | 1.72% | |||
| Overhead Efficiency Ratio | 64.99% | |||
| Return on Assets | 1.27% | |||
| Return on Equity | 16.32% | |||