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Justin Augsback
Vice President
NMLS # 759286
1911 Dixie Highway
Ft. Wright, KY 41011
Phone: (859) 916-6570
Fax: (859) 344-6599
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In just a little more than 15 years, Justin has built a well-rounded career in banking. He has worked as a personal banker, as a small business banker, as a branch manager and now as a commercial loan officer. Regardless of the banking role, Justin learned success in banking requires an affinity for people as well as a firm grasp of numbers. After an early stint in a much larger bank, Justin enjoys Heritage Bank’s culture and feels empowered to make decisions in the best interest of his customers rather than focus on meeting sales targets.
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Ryan Bihl
Vice President
NMLS # 434367
7434 U.S. 42
Florence, KY 41042
Phone: (859) 760-3325
Fax: (859) 344-6599
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Ryan’s high school and college friends would be surprised to learn he wears a suit to work every day, but Ryan always pictured himself in banking. Inspired by an uncle who built a successful commercial lending career, he is now 25 years into his own banking career. Ryan is a well-rounded banker whose personal experience as a retail manager, personal banker and licensed investment representative informs his advice as a commercial banker. Customers also appreciate his empathy, humility and top-notch customer service. In his spare time, Ryan officiates youth soccer matches.
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Steven Caddell
Assistant Vice President
NMLS # 799554
8751 U.S. 42
Union, KY 41091
Phone: (859) 869-2450
Fax: (859) 384-5291
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Steven is a third-generation banker at an institution his grandfather founded and his father led with vision and vigor. “As a kid, I knew I wanted to be a banker. Today, my goal is to ensure Heritage Bank continues to fulfill its mission to the communities we serve and remains an independent alternative to national banks."
Since joining Heritage Bank, Steven has been a teller, a consumer underwriter and a credit analyst. As a loan officer, he brings a 360-degree view of the bank. Whatever his customers need, Steven knows what’s possible at Heritage Bank and who can make it happen.
Although Steven is a native of Northern Kentucky and a graduate of Northern Kentucky University, he also has strong ties to Greece, his mother’s homeland. He has visited the country several times and speaks Greek.
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Nick Eberhard
Vice President
NMLS # 421732
4929 Alexandria Pike
Cold Spring, KY 41076
Phone: (859) 916-6409
Fax: (859) 261-2545
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Nick is a great fit for Heritage Bank because the bank’s values reflect his own upbringing. He still believes the best way to succeed is to help others succeed.
Nick’s curiosity is also an asset to his career. “When I know my customers and the nuances of their businesses, I make better recommendations. Better recommendations move them closer to realizing their dreams.”
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Guy Hampton
Vice President
NMLS # 1703579
6310 Tylersville Road
Mason, Ohio 45040
Phone: (513) 486-3451
Fax: (513) 486-3613
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In the prime of his career, Guy chose to work at Heritage Bank because he values the professionalism, efficiency and collaboration across the bank on behalf of his customers. Guy’s customers are more than business contacts – they are friends and often view him as family.
“I helped a customer write a toast for his daughter’s wedding and was honored to become a Godparent for another customer’s son. It’s really special to build a relationship so strong, you’re invited into your customers’ personal lives.”
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Andy Johnston
Vice President
NMLS # 436805
2040 Declaration Drive
Independence, KY 41051
Phone: (859) 363-4830
Fax: (859) 363-4827
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“I love visiting locally-owned businesses. I learn something new from my customers every day. I wish more people knew of the many locally produced products and services benefiting people around the world.”
In addition to championing his customers, Andy coaches his kids’ sports teams onto victory. He eats dinner with his family every night and understands how hard his customers are working for their families, too.
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Joe Mayer
Senior Vice President
NMLS # 1016909
647 Monmouth Street
Newport, KY 41071
Phone: (859) 916-6401
Fax: (859) 572-9217
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Joe grew up hearing stories about venerated community bankers in Northern Kentucky. Inspired to join their ranks, Joe took a night job at a bank processing and carrying checks to the Federal Reserve Bank. During the day, he completed his bachelor’s degree. After 25 years with the same bank, Joe’s customers followed him to Heritage Bank because they value his experience, knowledge and character. Joe came to Heritage Bank because he believed the bank offered a better customer experience.
“There are many people at Heritage my customers will never meet who go above and beyond. Knowing how well the bank works across departments assures me my customers will be well taken care of.”
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Jay Melzer
Senior Vice President
NMLS # 1446804
1818 Florence Pike
Burlington, KY 41005
Phone: (859) 586-9200
Fax: (859) 586-9240
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Jay has been a banker since graduating from college. While some of his classmates wondered what career path to pursue, Jay knew he was cut out to help customers obtain financial success and financial independence for their families. What he did not expect was how much he would enjoy the work.
“I feel very fortunate to have had such a fun and rewarding career built on helping my neighbors and community prosper.”
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Pat O’Donnell
Senior Vice President
NMLS # 1512296
3600 Decoursey Avenue
Latonia, KY 41015
Phone: (859) 415-0545
Fax: (859) 415-0546
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Pat was surrounded by numbers people growing up – his mother was a bookkeeper and his brother was a banker – so a 40+ year career in banking might seem inevitable. But it’s the people he serves who fuel Pat’s passion. That’s why so many of his customers have referred their customers to him.
“I love to see how different businesses make money and understand why each customer is so passionate about what they do. It’s gratifying to play a part in helping entrepreneurs meet their goals.”
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Matt Ritzmann
Senior Vice President
NMLS # 1376615
8751 U.S. 42
Union, KY 41091
Phone: (859) 384-5290
Fax: (859) 384-5291
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Matt’s dad was a banker who thought of banking as relational rather than transactional. Like father, like son.
“Heritage Bank understands banking is best when it’s rooted in relationships. Forging long-term relationships and playing a role in my customers’ success is the most rewarding part of my job.”
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Joe Schlimm
Senior Vice President
NMLS # 1783977
2101 Medical Arts Drive
Hebron, KY 41048
Phone: (859) 689-2900
Fax: (859) 334-6962
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Joe knew how much it meant to him to help his visionary, passionate customers succeed, but he didn’t realize how much he meant to them until he left the national bank where he had worked for 20 years.
“When I joined Heritage Bank, I intended to take some time to become acclimated before reaching out to former customers. But as soon as I updated my LinkedIn profile, my customers started contacting me. They told me my guidance was irreplaceable. They also trusted my judgment about Heritage Bank.”
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Lance Smaltz
Vice President
NMLS # 1271186
9749 Montgomery Road
Cincinnati, Ohio 45242
Phone: (513) 538-6320
Fax: (513) 538-6321
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Lance genuinely loves helping people bring their ideas to life. His banking career has flourished by building relationships with customers, prospects and centers of influence across the region.
“A lot of banks talk about how much they care for customers, employees and the community, but Heritage Bank lives out those values. It’s an integral part of the culture. At Heritage Bank, success is not defined solely by profit, but also by how well our customers are doing and what we give back to the community.”
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