Safe and Sound

And serving America's Communities

Over 8,500 banks and savings institutions with 97,000 locations nationwide remain the backbone of the American economy, putting deposits to work in communities across the country. Here's how they stay strong:

• Banking's capital - which serves as a buffer against any losses - is at historic highs. As of March 2008, the industry held $1.36 trillion in capital, plus $120 billion in reserves.
• Banks are regularly and thoroughly examined by state and/or Federal regulators who focus on institutional performance, soundness and risk management.
• Deposits in commercial banks and thrift institutions are insured by the Federal Deposit Insurance Corporation for up to $100,000 per depositor per insured bank and up to $250,000 per depositor per insured bank for retirement accounts.

Heritage State Bank
does not have any subprime mortgages,
is Well Capitalized, and is FDIC insured.

Rest Assured.