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Heritage Bank Of St Tammany

Covington, LA · Est. 1924 · Website ↗
C
Trust Grade
Average
Score: 72/100

Heritage Bank Of St Tammany is a bank based in Covington, Louisiana, established in 1924, with $168 million in total assets across 1 branch. By Trust Grade it ranks 105th of 105 banks we track in Louisiana. Its capital ratio of 9.9% trails most similarly sized banks (46th percentile), versus a Louisiana median of 10.9%. It posted a loss over the most recent period (-6.91% return on assets), a point to watch. No consumer complaints against Heritage Bank Of St Tammany appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$167.9M
$100M–1B institution
Deposits
$149.8M
Branches
1
Capital ratio
9.9%
Bottom 46% of $100M–1B peers · Louisiana median 10.9%
Return on assets
-6.9%
Bottom 0% of $100M–1B peers · Louisiana median 1.23%
Rank in Louisiana
#105
of 105 banks

How Heritage Bank Of St Tammany compares to Louisiana peers

Capital ratio
Bottom 46% of $100M–1B peers
Heritage Bank
9.9%
Louisiana median
10.9%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 0% of $100M–1B peers
Heritage Bank
-6.9%
Louisiana median
1.2%
Higher ROA = more profitable relative to asset base

How we graded Heritage Bank Of St Tammany

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
72/100
Customer experience
n/a
Overall
C · 72
  • Strongly capitalized (9.9% capital ratio)
  • Unprofitable over the period (ROA -6.91%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Heritage Bank Of St Tammany over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (1)

  • 205 N Columbia St, Covington, LA 70433

Are deposits at Heritage Bank Of St Tammany insured?

Yes. Heritage Bank Of St Tammany is an FDIC-insured bank (FDIC certificate #29577). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Heritage Bank Of St Tammany: frequently asked questions

Is Heritage Bank Of St Tammany a good bank?

Heritage Bank Of St Tammany earns a Bankzia Trust Grade of C (72/100, "Average"), based on a financial-strength score of 72/100 (it has no CFPB complaints on record). Strongly capitalized (9.9% capital ratio); Unprofitable over the period (ROA -6.91%).

Is Heritage Bank Of St Tammany FDIC-insured?

Yes. Heritage Bank Of St Tammany is a FDIC-insured bank (FDIC certificate #29577). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is Heritage Bank Of St Tammany?

Heritage Bank Of St Tammany holds $168 million in total assets, ranking 105th of 105 banks we track in Louisiana. It operates 1 branch.

Does Heritage Bank Of St Tammany have CFPB complaints?

No CFPB complaints against Heritage Bank Of St Tammany appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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