This institution is no longer active

Operations ceased on July 27, 2019. CRA examination history below reflects the period it was active.

HERITAGE BANK USA, INC.

HOPKINSVILLE, KY · Supervised by FDIC

Est. 1879FDIC #30,090RSSD: FDIC-30090

Part ofHOPFED BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: June 2018

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.61%

Institution Profile

FDIC BankFind

Address

4155 Lafayette Rd, HOPKINSVILLE, KY

County

Christian County

Established

January 1, 1879

Total Assets

$932M(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

June 1, 2018

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 8 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 Q2 2019Call Report / FDIC

Total Assets

$932M

Total Deposits

$737M

Net Loans

$670M

Net Income

$3M

ROA

0.61%

ROE

5.64%

Risk-Based Capital

15.06%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate9.09%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2019	198	80.81%	9.09%
2018	581	78.14%	11.19%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2015

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/7f3194f4-c24e-4462-9dc8-ecff7e71bbb9"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: