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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Columbia, TN · FDIC certificate #58220
HERITAGE BANK&TRUST is an FDIC-insured institution based in Columbia, TN (FDIC certificate #58220). In its Q3 2026 Call Report it reported total assets of $417M, total deposits of $378M and net loans of $360M. Its primary federal regulator is FDIC.
Plain-language readout
HERITAGE BANK&TRUST has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $418M in Q1 2026 and were lowest at $417M in Q3 2026.
Total deposits were highest at $378M in Q3 2026 and lowest at $374M in Q1 2026.
Over the whole period total assets fell 0.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $417M | $378M | $360M | 1.33% | 16.77% | 4.23% |
| Q2 2026 | $418M | $377M | $353M | 1.28% | 16.32% | 4.16% |
| Q1 2026 | $418M | $374M | $347M | 1.55% | 19.84% | 4.14% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $10.0M | $17.3M | -$7.3M | -42.4% |
| Federal funds sold | $1.7M | $450K | +$1.2M | +271.1% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $30.8M | $31.9M | -$1.1M | -3.4% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $501K | $619K | -$118K | -19.1% |
| Net loans and leases (after allowance) | $353.0M | $346.5M | +$6.5M | +1.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $8.2M | $8.1M | +$53K | +0.7% |
| Other real estate owned | $726K | $0K | +$726K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $13.0M | $13.0M | -$32K | -0.2% |
| Total assets | $417.8M | $417.9M | -$106K | -0.0% |
| Liabilities | ||||
| Total deposits | $377.3M | $373.7M | +$3.7M | +1.0% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $1.0M | $6.0M | -$5.0M | -83.3% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $6.0M | $5.7M | +$318K | +5.6% |
| Total liabilities | $384.4M | $385.4M | -$1.0M | -0.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1K | $1K | $0K | 0.0% |
| Surplus | $21.2M | $21.1M | +$37K | +0.2% |
| Retained earnings | $14.8M | $14.0M | +$789K | +5.7% |
| Accumulated other comprehensive income | -$2.5M | -$2.5M | +$71K | +2.8% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $33.4M | $32.5M | +$897K | +2.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.0M | $1.4M | +$596K | +42.1% |
| Adjusted nonperforming assets | $2.0M | $1.4M | +$596K | +42.1% |
| Tangible equity plus allowance | $39.3M | $38.4M | +$887K | +2.3% |
| Texas ratio (gross) | 5.13% | 3.69% | +1.43 pts | See points |
| Texas ratio (adjusted) | 5.13% | 3.69% | +1.43 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 5.13% | 3.69% | +1.43 pts | See points |
| Tier 1 capital to risk-weighted assets | 10.24% | 10.12% | +0.12 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 10.24% | 10.12% | +0.12 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.26% | 1.26% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 11.50% | 11.37% | +0.12 pts | See points |
| Tier 1 leverage (approximate) | 8.48% | 8.42% | +0.06 pts | See points |
| Construction and land loans to total capital | 102.78% | 92.64% | +10.14 pts | See points |
| Commercial real estate to total capital | 271.42% | 263.22% | +8.20 pts | See points |
| Dividend payout, year to date | 35.93% | 42.66% | -6.73 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -9.18% | -9.55% | +0.37 pts | See points |
| Liquidity | ||||
| Core deposits | $336.1M | $337.0M | -$860K | -0.3% |
| Non-core funding | $42.2M | $42.7M | -$461K | -1.1% |
| Loans to core deposits | 106.75% | 104.56% | +2.19 pts | See points |
| Loans to deposits | 95.09% | 94.29% | +0.79 pts | See points |
| Brokered deposits share of deposits | 1.23% | 1.24% | -0.01 pts | See points |
| Pledged securities share of securities | 53.26% | 51.65% | +1.61 pts | See points |
| Loans pledged, share of loans | 45.73% | 46.34% | -0.61 pts | See points |
| Volatile liabilities | $42.5M | $42.9M | -$461K | -1.1% |
| Earnings | ||||
| Earnings before provision, year to date | $3.6M | $2.2M | +$1.5M | +67.0% |
| Earnings before provision, single quarter | $1.5M | $2.2M | -$714K | -33.0% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.64% | 6.59% | +0.05 pts | See points |
| Yield on interest-bearing balances due from banks | 4.39% | 3.03% | +1.36 pts | See points |
| Total interest income to average assets | 5.94% | 5.89% | +0.06 pts | See points |
| Cost of interest-bearing transaction accounts | 1.44% | 1.41% | +0.03 pts | See points |
| Cost of savings and money market deposits | 2.47% | 2.43% | +0.04 pts | See points |
| Cost of time deposits | 3.76% | 3.70% | +0.05 pts | See points |
| Total interest expense to average assets | 2.10% | 2.06% | +0.03 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $417M | $378M | $360M | 1.33% | 16.77% | 4.23% |
| 2026-06-30 | $418M | $377M | $353M | 1.28% | 16.32% | 4.16% |
| 2026-03-31 | $418M | $374M | $347M | 1.55% | 19.84% | 4.14% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| TN | $356.1M | 0.15% | 85 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.