☰

Home›
Banks›
Heritage Bank, Inc.

iAdvertiser Disclosure

Heritage Bank, Inc. Rates & Review May 2026

Q: How many branches does Heritage Bank, Inc. operate?

Heritage Bank, Inc. currently maintains approximately 19 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Heritage Bank, Inc. does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Heritage Bank, Inc. provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 27, 2026

You can compare Heritage Bank, Inc. rates to other rates in our database, including 12-month CD rates currently at 3.43%, 6-month CD rates at 3.75% and 3-month CD rates at 0.55%. Savings rates are at 0.15% and money market rates are at 0.25%. Mortgage rates on 30-year fixed loans are around 6.01%. All these rates can be compared to Heritage Bank, Inc. rates. MonitorBankRates evaluates the financial stability of Heritage Bank, Inc. with a 4.4 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 3.48%. Rates were last updated on 05/27/2026.

Heritage Bank, Inc. money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Heritage Bank, Inc.? Share your experience about Heritage Bank, Inc. by leaving a review below, or read customer reviews before you decide to use Heritage Bank, Inc..

Overall Health & Safety Grade

A-

Very Good Health Score: 92/100

MonitorBankRates Rating

4.4

Excellent Out of 5.0 Stars

Texas Ratio

3.48%

Excellent Lower than avg

Heritage Bank, Inc.

1818 Florence Pike
Burlington, KY 41005

https://www.ourheritage.bank

Current Rate Availability

We do not have Heritage Bank, Inc. rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Heritage Bank, Inc. is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Heritage Bank, Inc. rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Heritage Bank, Inc.'s official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Heritage Bank, Inc.

Bank Holding Company COMMONWEALTH HOLDINGS L L C

Address 1818 Florence Pike, Burlington, KY 41005 · Boone

Website https://www.ourheritage.bank

FDIC Certificate # 33119

Established 09/04/1990

FDIC Insurance Date 09/04/1990

Domestic Offices 19

Total Branches 19

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-

Overall Health Grade Score: 92/100

4.4

Excellent Out of 5.0 Stars

3.48%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9733%

Return on Equity (ROE) 20.5300%

Non-Performing Loans (NPL) 0.09%

Total Assets $2,094,353,000

Total Deposits $1,932,253,000

Equity Capital $134,204,000

Net Income $20,650,000

Headquarters Burlington

Total Offices 19

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

There are no reviews for Heritage Bank, Inc. yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Heritage Bank, Inc.

Frequently Asked Questions About Heritage Bank, Inc.

How many branches does Heritage Bank, Inc. operate?

Heritage Bank, Inc. currently maintains approximately 19 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Heritage Bank, Inc. does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Heritage Bank, Inc. provides members with tools to manage their accounts and build a solid financial history.

Does Heritage Bank, Inc. offer online and mobile banking?

Most modern institutions like Heritage Bank, Inc. provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ourheritage.bank.