Heritage Bank Inc (FDIC #33119): Bank Stress & Real-Estate Credit Exposure
Heritage Bank Inc (FDIC Cert #33119): bank stress 80/100, severe, STABLE over 7 days; parent COMMONWEALTH HOLDINGS L L C.
Heritage Bank Inc (#33119) lends in 7 counties across 2 states; Heritage Bank Inc (#33119) reaches 115 ZIP codes: Kentucky 5 counties, 36 ZIPs; Ohio 2 counties, 79 ZIPs.
Heritage Bank Inc (#33119) largest markets: Hamilton County, OH (58 branches, 58 ZIPs) (#33119), Warren County, OH (24 branches, 24 ZIPs) (#33119), Kenton County, KY (60 branches, 12 ZIPs) (#33119), Pendleton County, KY (20 branches, 10 ZIPs) (#33119), Campbell County, KY (30 branches, 10 ZIPs) (#33119), Boone County, KY (45 branches, 9 ZIPs) (#33119).
Heritage Bank Inc (#33119) reports $1.99 billion in total assets; Heritage Bank Inc (#33119) equity $144.2 million (7.2% of Heritage Bank Inc (#33119) assets); Heritage Bank Inc (#33119) domestic deposits $1.83 billion; Heritage Bank Inc (#33119) net income $10.5 million; Heritage Bank Inc (#33119) return on assets 1.03%; Heritage Bank Inc (#33119) return on equity 15.18%; Heritage Bank Inc (#33119) net interest income $33.9 million; Heritage Bank Inc (#33119) call report June 30, 2026.
Heritage Bank Inc (#33119) noncurrent real-estate loans: none reported; Heritage Bank Inc (#33119) net charge-offs on real estate 0.03%.
Heritage Bank Inc (#33119) net interest margin 3.54% against an eight-quarter Heritage Bank Inc (#33119) average of 3.21% (Heritage Bank Inc (#33119) compression -0.33 points); Heritage Bank Inc (#33119) rate-exposure score 40/100, Heritage Bank Inc (#33119) fixed-rate trap 40/100; Heritage Bank Inc (#33119) risk type credit driven; Heritage Bank Inc (#33119) rate regime rates elevated, Heritage Bank Inc (#33119) snapshot October 19, 2026.
Heritage Bank Inc (#33119) stress score moved from 80.4 on June 22, 2026 to 79.6 on October 20, 2026; Heritage Bank Inc (#33119) ranged 79.6 to 80.4 over 117 snapshots.
Heritage Bank Inc (#33119) alerts: 7 counties; top Heritage Bank Inc (#33119) alert scores: Mason County, KY 29 (low); Cincinnati County, KY 26 (low); Falmouth County, KY 26 (low); Latonia County, KY 26 (low); Newport County, KY 26 (low).