Bank · FDIC insured
Heritage Bank
A $2B bank headquartered in Burlington, KY, with 19 branches in 2 states. Best rates: CDs 4.00% and savings 0.75% APY.
Heritage Bank Carrot Score
75
Carrot Score
Higher than 39% of U.S. banks and credit unions
#32 of 58 in Cincinnati, OH-KY-IN metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Heritage Bank
Heritage Bank serves the Greater Cincinnati community.
- Headquarters
- 1818 Florence Pike, Burlington, KY 41005
- FDIC certificate
- 33119 ↗
Branches
19 branches in 2 states
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Kentucky
17 branches
- Heritage Bank, Inc.Main office1818 Florence Pike, Burlington, KY 41005Directions
- Alexandria Branch7593 Alexandria Pike, Alexandria, KY 41001Directions
- North Branch10499 Us Highway 27 N, Butler, KY 41006Directions
- Cold Spring Branch4929 Alexandria Pike, Cold Spring, KY 41076Directions
- Covington Ky Branch3600 Decoursey Ave, Covington, KY 41015Directions
- Dry Ridge Branch48 Broadway St, Dry Ridge, KY 41035Directions
- Erlanger Branch456 Commonwealth Ave, Erlanger, KY 41018Directions
- Ridgeway Avenue Branch1057 Ridgeway Ave, Falmouth, KY 41040Directions
- Florence Branch7434 Us Highway 42, Florence, KY 41042Directions
- Fort Mitchell Branch350 Buttermilk Pike, Fort Mitchell, KY 41017Directions
- Fort Wright Branch1911 Dixie Hwy, Fort Wright, KY 41011Directions
- Hebron Branch2101 Medical Arts Dr, Hebron, KY 41048Directions
- Independence Branch2040 Declaration Dr, Independence, KY 41051Directions
- Newport Ky Branch647 Monmouth St, Newport, KY 41071Directions
- Union Branch8751 Us Highway 42, Union, KY 41091Directions
- Walton Branch235 Mary Grubbs Hwy, Walton, KY 41094Directions
- Williamstown229 S Main St, Williamstown, KY 41097Directions
Ohio
2 branches
- Montgomery Branch9749 Montgomery Rd, Cincinnati, OH 45242Directions
- Mason6310 Tylersville Rd, Mason, OH 45040Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.01% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.47% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 1.03% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $68 | $88 | — |
- CapitalLeverage ratio9.01%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.47%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets1.03%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$68Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Heritage Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.