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Ian Addington
Vice President
NMLS # 460486
235 Mary Grubbs Hwy
Walton, KY 41094
Phone: (859) 493-4593
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“We’re rooting for you.” That’s what Ian Addington wants our business banking customers to know. Heritage Bank exists to make local small businesses successful.
When you work with Ian, he skips the buzz words and talks to you like a neighbor. He is a calming, steady presence, encouraging customers to maintain perspective in all moments. Maybe it’s his love of history, maybe it’s living and working where he was raised or maybe it’s the advice someone gave him early in his career.
“This too shall pass. Feeling overwhelmed and miserable? This too shall pass. Feeling on top on the world and unstoppable? This too shall pass.”
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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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Matt Bise
Vice President
NMLS # 470625
1818 Florence Pike
Burlington, KY 41005
Phone: (859) 334-8271
Fax: (859) 586-9240
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Matt is not a native of greater Cincinnati, but he has come to admire the region for many reasons, including its thriving business community. He attributes greater Cincinnati’s track record for nurturing successful small businesses, business incubators and accelerators to the work ethic and principles he notices in his neighbors and colleagues as well as proximity to other cities and a deep local talent pool.
Matt thinks of himself as a competitive advantage to the small businesses who seek him out for banking and general business information.
“I want to be the best at what I do, so I never stop learning and asking questions,” said Matt who surrounds himself with people who encourage him to keep growing, including his wife, banker colleagues and customers. “I learn a lot from listening to my customers and taking an interest in their businesses. Once I understand the business and the business leader, I can offer up solutions they might not even have realized they needed.”
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Angela Hagedorn
Vice President
NMLS #434190
612 Buttermilk Pike
Phone: (859) 360-7656
Fax: (859) 334-9218
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If you’re a small businessperson, Angela Hagedorn is someone you should know. She is inspired by helping every size local business succeed, whether you’re a start-up or into your third generation, whether you’re a sole proprietor or ready to expand to new locations, whether you need a conventional loan or assistance navigating the SBA.
And to know Angela is to love her like a member of the family. She’s on the call list and group texts for many customers when they have personal news to share. Angela has celebrated life milestones with her customers and grieved with them.
Speaking of family, Angela recharges by spending time with her children and fiancé. She also inherited a strong dose of wanderlust from her parents, collecting fond memories of trips to Yellowstone, Mt. Rushmore, Acadia National Park and the East U.S. coastline. Coming home is always more special after exploring other vistas.
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Steven Caddell
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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Mike Crowe
Vice President, Director of SBA Lending
NMLS # 2373750
647 Monmouth Street
Newport, KY 41071
Phone: (859) 916-6312
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Banking seems like Michael’s destiny. While still completing his degree in business economics at Xavier University, he secured a part-time teller position then subsequently joined the management training program at the First National Bank of Cincinnati. His initial role focused on helping specific departments and divisions improve their efficiency and profitability, experience that would serve him later in his career when he decided to focus on business banking.
After 26 years as a business/SBA banker in the greater Cincinnati market, Mike continues to take pride in the success of local businesses that he has helped to find their footing and flourish. He is particularly adept at helping customers navigate the U.S. Small Business Administration loan programs. His 17 plus years of SBA lending at the Hamilton County Development Corporation (now known as Alloy) and 13 months as the local SBA Market Specialist for Fifth Third has positioned Mike well for his role at Heritage Bank to lead SBA lending.
Although Mike has dressed the part of a banker during the work week for all his adult life, he got the most attention for the gorilla suit he used to wear to sporting events in the late 70s and early 80s. At Bengals games and at NCAA tournaments, Mike took the field or court to lead cheers and entertain the fans. Today, he’s satisfied to stay in the stands or to follow his favorite United Kingdom Footballers, the Glasgow Celtic and Arsenal, online.
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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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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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