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This institution is no longer active

Operations ceased on January 1, 2005. CRA examination history below reflects the period it was active.

HERITAGE BANK

DECATUR, AL · Supervised by FDIC

Est. 1995FDIC #34,015RSSD: FDIC-34015
Part ofHERITAGE FINL HOLDING CORP→ View all charters
Satisfactory Same

Current rating · Exam: December 2002

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.02%

Institution Profile

FDIC BankFind

Address

211 Lee Street, N.E., DECATUR, AL

County

Morgan County

Established

May 15, 1995

Total Assets

$541M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2002

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 23 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2004Call Report / FDIC

Total Assets

$541M

Total Deposits

$381M

Net Loans

$406M

Net Income

$97K

ROA

0.02%

ROE

0.21%

Risk-Based Capital

11.14%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1996

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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