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About Us


Arnold Caddell, a life-long Northern Kentucky resident, founded Heritage Bank in 1990 with a group of fellow business owners.Arnold Caddell

"In the wake of large bank mergers, we continue to preserve the concept of local community banking. We have created a bank where Northern Kentucky residents can go for advice and service for their financial needs from local professionals they know and trust." - Arnold Caddell

Heritage Bank is more than just a bank; we are your neighbors, friends, school volunteers, community advocates, and fellow residents. We are committed to knowing our customers personally, and providing a friendly, local banking experience.

As your community bank since 1990, Heritage Bank has grown to become one of Northern Kentucky's most respected financial institutions. Our core values of outstanding service to our customers have helped us remain strong and independent.

We're proud to say that we have our roots where others have branches.




Commercial and Mortgage Lending Team

Lee Scheben - President

Office: 859-334-4077

NMLS# 810481

Peter Weickgenannt - Senior Lender

Office: 859-334-4215

NMLS# 810480

Barry Lampley - Ohio Market President

Office: 513-466-8520

NMLS# 1703402

Joe Mayer - Senior Vice President

Office: 859-572-9207


Jay Melzer - Senior Vice President

Office: 859-334-8271

NMLS# 1446804

Pat O'Donnell - Senior Vice President

Office: 859-415-0545

NMLS# 1512296

Joe Schlimm - Senior Vice President

Office: 859-360-7656

NMLS# 1783977

Justin Augsback - Vice President

Office: 859-916-6570

NMLS# 759286

Nick Eberhard - Vice President

Office: 859-628-1144

NMLS# 421732

Guy Hampton - Vice President

Office: 513-466-8521

NMLS # 1703579

Andy Johnston - Vice President

Office: 859-359-0907

NMLS# 436805

Matt Ritzmann - Senior Vice President

Office: 859-384-5294

NMLS# 1376615

Lance Smaltz - Vice President

Office: 937-725-9041

NMLS# 1271186

David Vu - Mortgage Loan Officer

Office: 859-445-3591

NMLS# 706247

Paul Sharp - Mortgage Loan Officer

Office: 513-673-6136

NMLS# 771359

 Charlie Vallandingham - Mortgage Loan Officer

 Office: 859-801-6968

 NMLS# 461007


Board of Directors


H. David Wallace - Chairman & CEO, Heritage Bank

Charolette Vermillion - Vice Chairman, Retired SVP of Operations and Audit, Heritage Bank

Lee Scheben - President, Heritage Bank

Larry Burcham –  President, Clore & Burcham Real Estate Co.

Steven Caddell - Assistant VP & Credit Analyst, Heritage Bank

Eleni Caddell - Retired EL Teacher

Dan Catalano - President, North America, Zotefoams, Inc.

Verne Epperson – Retired Owner, Colonial Cottage

Gary Griesser – Retired Administrator, Boone County Schools and Commissioner, Kentucky Board of Education

Robert Lightner – Chairman and CEO, CMI Insurance

Gary Wilmhoff – Retired Owner, Florence Hardware

 Board 2020

Ohio Advisory Board



Lee Scheben, Heritage Bank

Barry Lampley, Heritage Bank

Dan Dressman, Homebuilders Association of Ohio

John Hawkins, Management Performance International

Jon Mason, Mason Schilling & Mason, LPA

Jerry Atkins, Bellwether Enterprise

Mike Schueler, Schueler Group

Ron Beshear, Beshear Financial Group

Scott Weiss, Ocean Accelerator

Steven Osborne, Top Gun Sales Performance




Heritage Bank is a proud member of local and national trade associations dedicated to providing financial tools and information to banks and their customers.


Kentucky Bankers Association:  www.kybanks.com

Ohio Bankers League:  www.ohiobankersleague.com

Tri-State League of Financial Institutions:  www.tristateleague.info


American Bankers Association:  www.aba.com

Independent Community Bankers of America:  www.icba.org




Heritage Bank is committed to help fight financial exploitation!

Our branch staff are AARP BankSafe trained.


BankSafe Seal 2020