Heritage Bank, Inc.
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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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (35 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
Heritage Bank, Inc. ranks #57 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of Heritage Bank, Inc.’s 7(a) acquisition lending falls in the $500K-$1M range: 20 loans, 57.1% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 3 | 8.6% | |
| $500K-$1M | 20 | 57.1% | |
| $1M-$2M | 7 | 20.0% | |
| $2M-$3M | 3 | 8.6% | |
| $3M-$4M | 1 | 2.9% | |
| $4M-$5M | 1 | 2.9% |
Industries with highest loan volume
Full-Service Restaurants
5
loans
$1.4M
avg. amount
Commercial Screen Printing
2
loans
$887K
avg. amount
Machine Shops
2
loans
$612K
avg. amount
Offices of Chiropractors
2
loans
$1.8M
avg. amount
Industrial Gas Manufacturing
1
loans
$1.4M
avg. amount
Used Household and Office Goods Moving
1
loans
$979K
avg. amount
Photographic Equipment and Supplies Merchant Wholesalers
1
loans
$735K
avg. amount
Sporting Goods Retailers
1
loans
$1.1M
avg. amount
Carpet and Upholstery Cleaning Services
1
loans
$727K
avg. amount
Offices of Real Estate Agents and Brokers
1
loans
$2.4M
avg. amount
10-Year
0.0%
Percentile Ranking
0th percentile
Heritage Bank, Inc.’s median variable rate is + 2.75%, against a market median of Prime + 1.88%, 88 above market.
It priced below the market median in 0 of the last 6 quarters.
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 3.08% |
| $500K-$1M | Prime + 2.80% |
| $1M-$2M | Prime + 2.89% |
| $2M-$3M | Prime + 2.33% |
| $3M-$4M | Prime + 2.25% |
| $4M-$5M | Prime + 2.00% |
| Quarter | This lender | Market median | Market range | Loans |
|---|---|---|---|---|
| Q1 '23 | Prime + 2.75% | Prime + 1.75% | Prime + 1.25% – Prime + 2.25% | 4 |
| Q4 '24 | Prime + 3.25% | Prime + 2.25% | Prime + 1.50% – Prime + 2.75% | 6 |
| Q1 '25 | Prime + 2.75% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 7 |
| Q3 '25 | Prime + 2.50% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 4 |
| Q1 '26 | Prime + 2.75% | Prime + 2.00% | Prime + 1.50% – Prime + 2.50% | 3 |
| Q2 '26 | Prime + 2.75% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 5 |
Heritage Bank, Inc. has originated 7(a) acquisition loans in 21 states, most actively in Ohio (5), California (3) and Kentucky (3). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| Ohio | 5 | 14.3% |
| California | 3 | 8.6% |
| Kentucky | 3 | 8.6% |
| New Jersey | 2 | 5.7% |
| South Dakota | 2 | 5.7% |
| Texas | 2 | 5.7% |
| Virginia | 2 | 5.7% |
| Mississippi | 2 | 5.7% |
| Louisiana | 2 | 5.7% |
| Maryland | 1 | 2.9% |
| Michigan | 1 | 2.9% |
| Florida | 1 | 2.9% |
| North Carolina | 1 | 2.9% |
| Illinois | 1 | 2.9% |
| Missouri | 1 | 2.9% |
| Montana | 1 | 2.9% |
| Colorado | 1 | 2.9% |
| Utah | 1 | 2.9% |
| New Mexico | 1 | 2.9% |
| Washington | 1 | 2.9% |
| New York | 1 | 2.9% |
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