We believe when we STRIVE TOGETHER, we THRIVE TOGETHER.

We believe in you. We were founded to launch the aspirations of people just like you living in the very communities you call home. Together, we make amazing things happen every day in Greater Cincinnati. Believe us when we say, we offer a different banking experience.

Because Our Customers Would Tell You to Believe.

Our retail customers are 4Xs more likely to refer us than typical bank customers.*

More than 9 out of 10 business customers would refer us.**

Heritage Bank was founded in 1990 by Arnold Caddell, one of Northern Kentucky’s most respected entrepreneurs and philanthropists. He brought together a group of local businesspeople who shared his concern about shrinking access to community banks able and eager to respond to regional consumer and business banking needs. Our founders wondered where local families would find bankers who knew them by name. They worried where tomorrow’s entrepreneurs, family businesses and independent mid-sized companies would find banks and bankers committed to their success.

After Arnold Caddell stepped down, his son Chris Caddell was named Chairman of the Board and then Chief Executive Officer. During Chris’ tenure, the bank opened its first two branches in Ohio as well as a new location in Williamstown, Kentucky, grew its Treasury Management Services, invested aggressively in more consumer products and digital tools, and secured the naming rights to one of the region’s largest entertainment venue – now The Heritage Bank Center. Chris also recruited the long-time leading regional anchorman and customer, Rob Braun, to be the company’s first official spokesperson, and was at the helm when the bank crossed the billion-dollar mark. His sudden passing was a shock, but the vision he instilled in every employee and the talent he put in place ensured the bank’s resilience and bright future.

David Wallace stepped into the Chairman of the Board and CEO role upon Chris’ passing. He was a young attorney when Arnold Caddell asked him to help charter Heritage Bank and served as legal counsel for many years, helping to steer the bank through growth and regulatory changes. Under David’s leadership, the bank has grown by double digits over several consecutive years and expanded its investment into the local community.

Today, Heritage Bank operates 19 locations across Cincinnati and Northern Kentucky, growing its customer base across the region. We are one of the region’s top 10 banks and a leading resource for small to mid-sized business banking. 

Heritage Bank remains committed to its independence.

Community banks are one of the best parts of the U.S. financial system. These institutions serve the businesses and individuals within a specific geography in the spirit of reinvesting in the communities they serve. Generally, community banks are known for focusing on long-term relationships over transactions, offering more competitive fees on services and factoring in a person’s character and ties to the community in addition to financial statements and algorithms. Heritage Bank strives to represent all the best attributes of community banking for the benefit of greater Cincinnati.

*Source: Heritage Bank’s Net Promoter Scores collected from a statistically significant number of retail customers indicates that our score (80 as of February 25, 2025) is 4Xs higher than the national average for banks (19) as reported by Qualtrics XM Institute featuring NPS data from over 300 companies across 20 industries, published in 2025. NPS Industry Benchmark Calculator - Qualtrics. The Net Promoter Score is among the most widely used and accepted methods of gauging customer experience.

** More than 90 percent of business customers surveyed through Heritage Bank’s Net Promoter Score survey gave the bank a 9 or 10 rating, indicating willingness to recommend the bank.