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: 859-334-8271

NMLS# 1446804


Pat O'DonnellSenior Vice President

Office: 859-415-0545

NMLS# 1512296


David Vu- Mortgage Loan Officer

Office: 859-445-3591

NMLS# 706247


Paul Sharp- Mortgage Loan Officer

Office: 513-673-6136

NMLS# 771359


Robert LaMothe - Vice President, CRA Officer

Office: 859-261-2430

NMLS# 1664850


Nick Eberhard - Vice President

Office: 859-334-4215

NMLS# 421732


Justin Augsback Vice President 

Office: 859-371-2900

NMLS# 759286


Cathy Fightmaster - Mortgage Loan Officer

Office: 859.384.5290

NMLS# 719254


Joe Schlimm- Senior Vice President, Commercial Loan Officer

Office: 859.689.2900

NMLS# 178397 


Board of Directors


Chris Caddell – Chairman

Charolette Vermillion - 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






Ohio Advisory Board

Ohio Advisory Board Update 

Chris Caddell, Heritage Bank

Lytle Thomas, Heritage Bank

Barry Lampley, Heritage Bank

Dan Dressman, Homebuilders Association of Ohio

John Hawkins, Management Performance International

Jon Mason, Mason Schilling & Mason, LPA

Kathy Beechem, Crossroads

Mike Schueler, Schueler Group

Ron Beshear, Beshear Financial Group

Scott Weiss, Ocean Accelerator

Steven Osborne, Top Gun Sales Performance

Terry Lyons, Lyons Financial Institutions Group, LLC






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:

Ohio Bankers League:

Tri-State League of Financial Institutions:


American Bankers Association:

Independent Community Bankers of America: