Heritage Bank&Trust (FDIC #58220): Bank Stress & Real-Estate Credit Exposure
Heritage Bank&Trust (FDIC Cert #58220): bank stress 72/100, elevated, STABLE over 7 days; parent HERITAGE FINANCIAL CORP.
Heritage Bank&Trust (#58220) lends in 3 counties across 1 state; Heritage Bank&Trust (#58220) reaches 29 ZIP codes: Tennessee 3 counties, 29 ZIPs.
Heritage Bank&Trust (#58220) largest markets: Hickman County, TN (13 branches, 13 ZIPs) (#58220), Lawrence County, TN (11 branches, 11 ZIPs) (#58220), Maury County, TN (20 branches, 10 ZIPs) (#58220).
Heritage Bank&Trust (#58220) reports $417.8 million in total assets; Heritage Bank&Trust (#58220) equity $33.4 million (8.0% of Heritage Bank&Trust (#58220) assets); Heritage Bank&Trust (#58220) domestic deposits $377.3 million; Heritage Bank&Trust (#58220) net income $2.7 million; Heritage Bank&Trust (#58220) return on assets 1.28%; Heritage Bank&Trust (#58220) return on equity 16.32%; Heritage Bank&Trust (#58220) net interest income $8.1 million; Heritage Bank&Trust (#58220) call report June 30, 2026.
Heritage Bank&Trust (#58220) noncurrent real-estate loans: none reported; Heritage Bank&Trust (#58220) net charge-offs on real estate 0.36%.
Heritage Bank&Trust (#58220) net interest margin 4.16% against an eight-quarter Heritage Bank&Trust (#58220) average of 3.89% (Heritage Bank&Trust (#58220) compression -0.27 points); Heritage Bank&Trust (#58220) rate-exposure score 40/100, Heritage Bank&Trust (#58220) fixed-rate trap 40/100; Heritage Bank&Trust (#58220) risk type credit driven; Heritage Bank&Trust (#58220) rate regime rates elevated, Heritage Bank&Trust (#58220) snapshot October 19, 2026.
Heritage Bank&Trust (#58220) stress score moved from 66.1 on June 22, 2026 to 71.9 on October 19, 2026; Heritage Bank&Trust (#58220) ranged 66.1 to 71.9 over 116 snapshots.
Heritage Bank&Trust (#58220) alerts: 3 counties; top Heritage Bank&Trust (#58220) alert scores: Centerville County, TN 25 (low); Lawrenceburg County, TN 25 (low); Mount Pleasant County, TN 25 (low).