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About Us


Arnold Caddell

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

"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 Lending Team

Lee Scheben, Senior Vice President, is based at the Heritage office in Erlanger. Lee, a lifelong Northern Kentucky native, graduated from the University of Kentucky with a degree in Finance, and received his law degree from Chase School of Law. Lee joined Heritage Bank in 1994, and has over 25 years of commercial lending experience, working extensively with commercial real estate development and business loans.

Paul Hillenmeyer, Senior Vice President, received his Bachelors Degree in Economics from Transylvania University. Paul is also a graduate of Leadership Northern Kentucky, Leadership Kentucky, and the Graduate School of Banking at LSU. With over 20 years in banking, Paul has experience in commercial real estate, small to medium size business lending, and residential and retail lending.   Based at the Burlington office, Paul joined Heritage Bank in 2003.

Pamela Goetting, Senior Vice President, is a graduate of Wittenberg University in Springfield, Ohio. Pam has over 25 years banking experience in Retail, Commercial and Private Banking. Most recently, she worked with individuals and companies specializing in healthcare, retail and professional services. A graduate of Leadership Northern Kentucky and Leadership Kentucky, Pam is a lifelong resident of Boone County, and works with business owners and service professionals at the Heritage Bank Burlington office.

Peter Weickgenannt, Vice President, is based at the Heritage office in Burlington. Peter earned a Bachelor of Business Administration degree with a major in Finance from the University of Cincinnati. He is also a graduate of Leadership Northern Kentucky. He has over 25 years of banking experience. primarily in the area of Commercial Lending. During his career he has specialized in Commercial and Industrial lending which includes working capital, equipment financing, business acquisition and owner occupied commercial real estate. Additionally, Peter has underwritten loans through the SBA's 7(a) and 504 programs.

Joe Mayer, Vice President, is based at Heritage's Cold Spring office in Campbell County.  Joe earned his Bachelor of Business Administration degree from Northern Kentucky University.  With 40 years of banking experience, Joe's areas of expertise include all areas of commercial lending.  A lifelong native of Campbell County, Joe focuses on loans for commercial lines of credit, real estate, and investment properties. 

John Nienaber, Vice President, is based at the Heritage office in Fort Wright. A lifelong Northern Kentuckian, John was raised in Erlanger and attended Northern Kentucky University where he received both his bachelors degree and Masters Degree in Business Administration. With over 25 years in the banking industry, John specializes in all aspects of commercial lending as well as Public Funds services to governments and not for profits. John has an active community service record with Junior Achievement and the Northern Kentucky Chamber of Commerce where he currently serves on the Board. He is a graduate of Leadership Northern Kentucky.  

Matt Ritzmann, Vice President, is based at Heritage's Union office.  Matt has over 10 years banking experience, and lives in the Union area.  He is a graduate of Indiana University's Kelley School of Business, and the American Bankers Association's commercial lending program.  Matt is active in Kiwanis and the Tri-State League of Financial Institutions.

Board of Directors

Arnold Caddell – Chairman, Heritage Bank

Chris Caddell – Vice Chairman, Heritage Bank

Lytle Thomas – President and CEO, Heritage Bank.  Lytle graduated from Transylvania University with a B.A. in Business Management, and earned his MBA from Northern Kentucky University. With over 20 years experience in the banking industry, Lytle's areas of expertise include all types of commercial lending. He is a graduate of Leadership Northern Kentucky and Leadership Kentucky, and currently serves as Board Treasurer. Lytle is the Immediate Past Chair of the Northern Kentucky Chamber of Commerce Board, and is Chair of Junior Achievement of Kentucky, Ohio, and Indiana.

Dr. Herbert Booth – Physician, retired

Larry Burcham – Business Owner

Verne Epperson – Business Owner, retired

Gary Griesser – Business Owner

Robert Lightner – Business Owner

Gary Wilmhoff – Business Owner