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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
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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David Ekey
Vice President
9749 Montgomery Road
Cincinnati, OH 45242
Phone: (513) 532-6000
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For more than 25 years, David has worked with companies in a range of industries with unique needs and circumstances. After crafting lending solutions for public enterprises, middle market companies and small private firms, David is confident about delivering unique solutions and service to customers. David joined the Heritage Bank team because our reputation for building personal, enduring relationships with our customers reflects his values and strengths.
“I can offer a tangible difference to customers because Heritage empowers its bankers,” David said. “Why gain all this experience, then work for a bank where my hands are tied by bureaucracy?”
David is at home in greater Cincinnati. He’s a Miami University graduate where he studied business and architecture. David counts many locally-based companies among his customers, and he even played a distinctive role in the first year of what is now a venerable holiday tradition. If not for David’s custom made rotating, mirrored ball -- five foot in diameter and suspended from a 100 foot crane -- it’s fair to wonder if the Cincinnati Zoo’s Festival of Lights would have made such a strong first impression on visitors.
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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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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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