Community Reinvestment Act

Community Reinvestment Act Public File

• The Community Reinvestment Act (CRA) of 1977 encourages banks to help meet the credit needs of the communities in which they do business, including low and moderate income neighborhoods.

  The information below is current as of April 1 of each year. 

• Questions or comments about this information or regarding our CRA performance may be addressed to: 
  • Heritage Bank & Trust
    Attn: CRA Officer
    217 S. James Campbell Blvd.
    Columbia, TN 38401
    or email us at sgolden@heritagebankandtrust.com.
    
    

Public Comments 

These are received for the current year and the prior two calendar years as of April 1, 2024. We may periodically update this to include public comments received after the annual April 1 update.

Public Comments

CRA Performance Evaluation

Community Reinvestment Performance Evaluation 2022.

Branch Locations and Hours of Operations

• Branch and ATM Locations with hours of operation as of 4/1/2024.
• Offices Opened and Closed in the past two years.

Assessment Areas

• The following assessment areas represent the communities Heritage Bank & Trust serves. Maps and Census tract information can be accessed by clicking the links below. For better images of the maps, you can go to the following: 

• Census Tract Maps

• Assessment Area Census Tract listing

• Maury County Census Tract Map
• Hickman County Census Tract Map
• Lawrence County Census Tract Map
• Williamson County Census Tract Map

Products & Services

• Information about all Products & Services can be found on our website:  Heritage Bank & Trust
• Questions regarding transaction fees or cost of services should be directed to your nearest Heritage location.
• Bank Products and Services Offered 
• Schedule of Fees as of 12-15-2023

CRA Disclosure Statements

Heritage Bank & Trust is under the asset threshold for reporting CRA data.

Home Mortgage Disclosure Act Notice (HMDA)

The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s website https://www.consumerfinance.gov/data-research/hmda or the Federal Financial Institutions Examination Council website (https://ffiec.cfpb.gov/data-publication/disclosure-reports.)

Loan to Deposit Ratio

• Loan to Deposit Ratio 
  
  

CRA Public File Requests

Heritage Bank & Trust can provide hard copies of the CRA Public File. Please note, we may charge a fee to cover copying and mailing expenses. Requests can be sent to sgolden@heritagebankandtrust.com.