| Weiss Ratings |
Heritage Bank & Trust
Columbia, TN |
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| Rating | ||||
| Asset Quality Index | 5.50 | |||
| Capitalization Index | 6.50 | |||
| Liquidity Index | 1.70 | |||
| Profitability Index | 4.10 | |||
| Stability Index | 4.50 | |||
| 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 | 8.16% | |||
| 5-Year Asset Growth | 21.84% | |||
| 5-Year Charge-Offs to Average Loans | -0.01% | |||
| Charge-Offs to Average Loans | 0.41% | |||
| Non-Performing Assets to Assets | 1.02% | |||
| Non-Performing Loans to Capital | 5.91% | |||
| Non-Performing Loans to Loans | 0.73% | |||
| Balance Sheet |
Heritage Bank & Trust
Columbia, TN |
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| Total Assets | 402.95M | |||
| Total Deposits | 369.28M | |||
| Capital and Reserves |
Heritage Bank & Trust
Columbia, TN |
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| Capital | 28.58M | |||
| Leverage Ratio | 8.50 | |||
| Loan Loss Reserves to Loans | 1.84% | |||
| Risk-Based Capital Ratio | 11.53 | |||
| Liquidity |
Heritage Bank & Trust
Columbia, TN |
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| Hot Money Ratio | 19.21% | |||
| Liquidity Ratio | 16.94% | |||
| Profitability |
Heritage Bank & Trust
Columbia, TN |
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| 5-Year Return on Average Assets | 0.89% | |||
| Net Income | 619.00K | |||
| Net Interest Spread | 3.83% | |||
| Operating Profit to Average Assets | 0.90% | |||
| Overhead Efficiency Ratio | 75.29% | |||
| Return on Assets | 0.66% | |||
| Return on Equity | 8.83% | |||