Heritage Bank & Trust is a bank based in Columbia, Tennessee, established in 2006, with $418 million in total assets across 5 branches. By Trust Grade it ranks 94th of 109 banks we track in Tennessee. Its capital ratio of 7.8% trails most similarly sized banks (13th percentile), versus a Tennessee median of 9.8%. It was profitable over the most recent period, with a 1.55% return on assets. No consumer complaints against Heritage Bank & Trust appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Heritage Bank & Trust compares to Tennessee peers
How we graded Heritage Bank & Trust
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (7.8% capital ratio)
- Strongly profitable (ROA 1.55%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Heritage Bank & Trust over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (5)
- 217 S James M Campbell Blvd, Columbia, TN 38401
- 106 Weakley Creek Rd, Lawrenceburg, TN 38464
- 109 S Main St, Mount Pleasant, TN 38474
- 2305 Highway 43 N, Lawrenceburg, TN 38464
- 1350 Highway 100, Centerville, TN 37033
Are deposits at Heritage Bank & Trust insured?
Yes. Heritage Bank & Trust is an FDIC-insured bank (FDIC certificate #58220). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Heritage Bank & Trust: frequently asked questions
Is Heritage Bank & Trust a good bank?
Heritage Bank & Trust earns a Bankzia Trust Grade of A (90/100, "Excellent"), based on a financial-strength score of 90/100 (it has no CFPB complaints on record). Well-capitalized (7.8% capital ratio); Strongly profitable (ROA 1.55%).
Is Heritage Bank & Trust FDIC-insured?
Yes. Heritage Bank & Trust is a FDIC-insured bank (FDIC certificate #58220). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Heritage Bank & Trust?
Heritage Bank & Trust holds $418 million in total assets, ranking 94th of 109 banks we track in Tennessee. It operates 5 branches.
Does Heritage Bank & Trust have CFPB complaints?
No CFPB complaints against Heritage Bank & Trust appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
