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 venues – 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. Now the region’s leading community bank and 7th largest bank in greater Cincinnati, the bank has almost doubled in size in the last six years. Today, Heritage Bank is the #1 Kentucky-based SBA lender whose customers are more than twice as likely to recommend to friends and family than typical bank customers.
Heritage Bank remains committed to its independence.
To learn more about the commitment to service and community, the bank’s product, services and its leadership, go to www.OurHeritage.bank.
Heritage Bank. Member FDIC.





