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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 SchebenExecutive Vice President

Office: 859-342-0920 

NMLS# 810481


Pamela GoettingSenior Vice President

Office: 859-334-4206

NMLS# 434865


Peter WeickgenanntSenior Lender

Office: 859-334-4215

NMLS# 810480


Joe MayerSenior Vice President

Office: 859-572-9207



John NienaberVice President

Office: 859-384-5290



Matt RitzmannVice President

Office: 859-384-5294

NMLS# 1376615


Jay MelzerSenior Vice President

Office: 859-384-5290

NMLS# 1446804


Pat O'DonnellSenior Vice President

Office: 859-415-0545

NMLS# 1512296


Greg Kirst- Mortgage Loan Officer

Office: 859-534-0862

NMLS# 460515


David Vu- Mortgage Loan Officer

Office: 859-445-3591

NMLS# 706247


Robert LaMothe - Vice President, Diversity & Inclusion Officer

Office: 859-261-2430


Nick Eberhard - Vice President

Office: 859-334-4215

NMLS# 421732


Justin Augsback - Vice President 

Office: 859-371-2900

NMLS# 759286



Board of Directors


Chris Caddell – Chairman

Arnold Caddell – Vice Chairman

Lytle ThomasPresident and CEO

Larry Burcham – Clore & Burcham Real Estate Co.

Dan Catalano - Zotefoams, Inc.

Verne Epperson – Retired, Colonial Cottage

Gary Griesser – Griesser Music

Robert Lightner – CMI Insurance

Gary Wilmhoff – Retired, Florence Hardware

David Wallace - legal counsel, Wallace Boggs PLLC