Heritage First Bank

501 Broad Street
Rome, GA 30161


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 20761
Date Established 1904
Assets $0.13 billion
Loans $0.11 billion
Deposits $0.12 billion
Capital $0.01 billion

Heritage First Bank is an FDIC insured institution located in Rome, GA. It was founded in 1904 and has approximately $0.13 billion in assets. Customers can open an account at one of its 3 branches.

For a more detailed analysis of Heritage First Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Heritage First Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Georgia, Heritage First Bank has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 27.41
Credit Card Loans 0.00
Consumer Auto Loans 1.91
Small Business Loans 24.09
Construction and Development Loans 5.80
Commercial Real Estate 38.07
Commercial and Industrial Loans 13.51
Farm Loans 0.70

Deposit Rates - June 25, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.07% $1 $24,999 Learn MoreShow Less
Money Market
0.10% $25,000 - Learn MoreShow Less
3 Mo CD
0.13% $500 - Learn MoreShow Less
6 Mo CD
0.15% $500 - Learn MoreShow Less
12 Mo CD
0.20% $500 - Learn MoreShow Less
18 Mo CD
0.25% $500 - Learn MoreShow Less
24 Mo CD
0.30% $500 - Learn MoreShow Less
36 Mo CD
0.50% $500 - Learn MoreShow Less
48 Mo CD
0.60% $500 - Learn MoreShow Less
60 Mo CD
0.80% $500 - Learn MoreShow Less

Fixed IRA
0.20% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,000 - Learn MoreShow Less

Loan Rates - June 25, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Heritage First Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.500% 4.500% 0.00 $0 $1,267 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
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Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
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Note to Heritage First Bank
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Heritage First Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Financial Details

Heritage First Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Heritage First Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Heritage First Bank U.S. Bank Average
7.55% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2018, Heritage First Bank had $888,000 in non-current loans and $268,000 in owned real estate. To cover these potential losses it had $14,299,000 in equity and $1,015,000 in loans loss reserves. That gives it a Texas Ratio of 7.55%.

Return on Equity
Heritage First Bank U.S. Bank Average
6.83% 8.80%

Heritage First Bank has a Return on Equity of 6.83% versus the BestCashCow average of 8.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Heritage First Bank U.S. Bank Average
10.71% 12.29%

Heritage First Bank has a Capitalization of 10.71% versus the BestCashCow average of 12.29. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Heritage First Bank Balance Sheet Analysis

As of December 31, 2018, Heritage First Bank had assets of $133,500,000, loans of $109,344,000, and deposits of $117,581,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2018
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.11 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.12 billion
Total deposits $0.12 billion
      Interest-bearing deposits $0.09 billion
      Deposits held in domestic offices $0.12 billion
      % insured (estimated) 90.18%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.12 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

December 31, 2018
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Heritage First Bank

Branches and Savings

Is Heritage First Bank FDIC insured?

Yes. It is covered under FDIC Certificate #20761.

Why does Heritage First Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Heritage First Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Heritage First Bank a commercial bank?


Where are Heritage First Bank locations?

See branch locations nearby.

Is Heritage First Bank open on Saturdays?

Is Heritage First Bank open on Sundays?

What time does Heritage First Bank open?

What time does Heritage First Bank close?

Are Heritage First Bank ATMs Open 24/7?

Do Heritage First Bank ATMs accept cash deposits?

Can Heritage First Bank customers use other ATMs?

Do Heritage First Bank branches have notaries?

Will Heritage First Bank notarize my document?

What address for Heritage First Bank should I put for incoming ACH transfers?

Will the Heritage First Bank branch print checks?

Do Heritage First Bank checks expire?

Does Heritage First Bank require US citizenship to open account?

Can Heritage First Bank close my account?

Does Heritage First Bank Report to credit bureaus?

Does Heritage First Bank Use Equifax?

What is Heritage First Bank's ACH Routing Number?

What is Heritage First Bank's SWIFT code?


Does Heritage First Bank offer mortgages?

Compare mortgage rates here.

Does Heritage First Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Heritage First Bank offer personal loans?

Compare personal loan rates here.

Does Heritage First Bank offer student loans?

Will Heritage First Bank cash a check?

Will Heritage First Bank redeem a savings bond?

Does Heritage First Bank cash savings bonds?

Will Heritage First Bank cash money orders?

Can Heritage First Bank issue a money order?

Does Heritage First Bank do currency exchange?

Background on The Bank

Who owns Heritage First Bank?

How long has Heritage First Bank been around?

Can Heritage First Bank transfer to other banks?

Does Heritage First Bank have quick pay?

Does Heritage First Bank accept rolled coins?

Will Heritage First Bank accept loose change?

Where is Heritage First Bank headquarters?

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