Bank · FDIC insured
Heritage Federal Savings
A $417.8M bank headquartered in Columbia, TN, with 4 branches in Tennessee.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Savings: published rates need another account or activity, so they are not scored. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- Savings—2.00%Needs another account or monthly activitySavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Heritage Federal Savings
Heritage Bank & Trust first opened in Columbia, Tennessee in 2006 with a mission to help fuel growth in rural Southern Middle Tennessee.
The bank expanded by opening branches in Mt. Pleasant in 2017, Lawrenceburg in 2018, and Centerville in 2022.
- Headquarters
- 217 S James M Campbell Blvd, Columbia, TN 38401
- FDIC certificate
- 58220 ↗
Branches
4 branches in Tennessee
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Tennessee
4 branches
Nashville area · 3
- Heritage Bank & TrustMain office217 S James M Campbell Blvd, Columbia, TN 38401Directions
- Centerville Branch1350 Highway 100, Centerville, TN 37033Directions
- Heritage Bank & Trust Branch109 S Main St, Mount Pleasant, TN 38474Directions
Lawrenceburg area · 1
- North Locust Avenue Branch2305 Highway 43 N, Lawrenceburg, TN 38464Directions
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 | 8.48% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.36% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.28% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $95 | $81 | — |
- CapitalLeverage ratio8.48%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.36%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.28%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$95Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 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 Federal Savings are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.