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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, Executive 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 30 years of commercial lending experience, working extensively with commercial real estate development and business loans. Lee is active in the community, serving on the St. Elizabeth Foundation Board, Community Foundation Board, and is currently Vice-Chair of the Northern Kentucky University Board of Regents. NMLS# 810481

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, working 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. NMLS# 434865

Peter Weickgenannt, Senior Lender, 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.  NMLS# 810480

Joe Mayer, Senior 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.   NMLS# 1016909

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.  NMLS# 1119133

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.  NMLS# 1376615

Jay Melzer, Senior Vice President, is based at Heritage's Burlington office. Jay has over 30 years experience in commercial banking, with expertise in credit, business development, leadership, and portfolio management.  He received his Bachelor of Business Administration degree from the University of Cincinnati, and is a graduate of the University of Wisconsin Graduate School of Banking.  A long time resident of Northern Kentucky, Jay will be focused on providing commercial loans and business services to the Bank's customers.  A graduate of Leadership Northern Kentucky, he is a committee member of the L. Ross Love GrowthBridge Fund, working with African American and Hispanic businesses in Greater Cincinnati. NMLS# 1446804

Pat O'Donnell, Senior Vice President, is based at the Heritage office in Latonia.  Pat has over 30 years experience in commercial banking in the Northern Kentucky area.  He is a native of Latonia, and is a graduate of both Holy Cross High School and Eastern Kentucky University.  Pat is active in his local community, and currently serves as President of the Latonia Business Association.

Board of Directors

Chris Caddell – Chairman, Heritage Bank

Arnold 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, retired

Dan Catalano - Business Owner