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Heritage Bank is a Kentucky-based community bank founded in 1990 by local businessmen to preserve local banking, offering personal and business banking services across 19 locations in Greater Cincinnati area.
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SBA 7(a) Acquisition Loan Data As Of December 31, 2025
Last 12 Months
Last 3 Years
YoY Growth
expanding
As Of December 31, 2025
Median
$831K
Average
$1.2M
Sweet Spot
$500K-$1M
Industries with highest loan volume
Full-Service Restaurants
5
loans
$1.3M
avg. amount
Full-Service Restaurants
Loans
5
Avg. Amount
$1.3M
Solid Waste Collection
3
loans
$1.2M
avg. amount
Solid Waste Collection
Loans
3
Avg. Amount
$1.2M
Commercial Screen Printing
2
loans
$887K
avg. amount
Commercial Screen Printing
Loans
2
Avg. Amount
$887K
Machine Shops
2
loans
$612K
avg. amount
Machine Shops
Loans
2
Avg. Amount
$612K
Offices of Real Estate Agents and Brokers
1
loans
$2.4M
avg. amount
Offices of Real Estate Agents and Brokers
Loans
1
Avg. Amount
$2.4M
Photographic Equipment and Supplies Merchant Wholesalers
1
loans
$735K
avg. amount
Photographic Equipment and Supplies Merchant Wholesalers
Loans
1
Avg. Amount
$735K
Carpet and Upholstery Cleaning Services
1
loans
$727K
avg. amount
Carpet and Upholstery Cleaning Services
Loans
1
Avg. Amount
$727K
Other Vegetable (except Potato) and Melon Farming
1
loans
$150K
avg. amount
Other Vegetable (except Potato) and Melon Farming
Loans
1
Avg. Amount
$150K
Painting and Wall Covering Contractors
1
loans
$990K
avg. amount
Painting and Wall Covering Contractors
Loans
1
Avg. Amount
$990K
Tile and Terrazzo Contractors
1
loans
$1.8M
avg. amount
Tile and Terrazzo Contractors
Loans
1
Avg. Amount
$1.8M
10-Year Default Rate
0.0%
Percentile Ranking
0th percentile
This Lender
Market Average
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 3.08% |
| $500K-$1M | Prime + 2.75% |
| $1M-$2M | Prime + 3.00% |
| $2M-$3M | Prime + 2.50% |
| $3M-$4M | Prime + 2.25% |
| $4M-$5M | Prime + 2.00% |
As Of December 31, 2025 - States by loan volume (darker blue = higher volume)