# HERITAGE BANK OF FLORIDA

> **Failed bank** · LUTZ, FL · failed 2012-11-02 · State commercial bank, non-Federal Reserve member (FDIC-supervised) · FDIC cost $74M

## What happened

HERITAGE BANK OF FLORIDA of LUTZ, FL was closed by regulators on **2012-11-02**. The FDIC was named receiver.

**Resolution:** Purchase & Assumption — acquiring bank assumed deposits + bought assets

Deposits were transferred to **CENTENNIAL BANK** (CONWAY, AR). Customers became depositors of the acquiring bank automatically.


## Key facts

- **FDIC ID:** 4031
- **FDIC Certificate:** 35009
- **FDIC FIN:** 10465
- **Bank name:** HERITAGE BANK OF FLORIDA
- **Location:** LUTZ, FL
- **Failure date:** 2012-11-02
- **FDIC resolution date:** 2012-11-02
- **Charter type:** State commercial bank, non-Federal Reserve member (FDIC-supervised)
- **Resolution type:** Purchase & Assumption — acquiring bank assumed deposits + bought assets
- **Estimated FDIC DIF cost:** $74M
- **Deposits at failure:** $223M
- **Assets at failure:** $225M
- **Acquiring bank:** CENTENNIAL BANK (CONWAY, AR)

## Other banks CENTENNIAL BANK has acquired in FDIC resolutions

- GULF STATE COMMUNITY BANK (CARRABELLE, FL) — failed 2010-11-19 — /failed-bank/3881
- WAKULLA BANK (CRAWFORDVILLE, FL) — failed 2010-10-01 — /failed-bank/3861
- BAYSIDE SAVINGS BANK (PORT SAINT JOE, FL) — failed 2010-07-30 — /failed-bank/3841
- COASTAL COMMUNITY BANK (PANAMA CITY BEACH, FL) — failed 2010-07-30 — /failed-bank/3837
- KEY WEST BANK (KEY WEST, FL) — failed 2010-03-26 — /failed-bank/3772
- OLD SOUTHERN BANK (ORLANDO, FL) — failed 2010-03-12 — /failed-bank/3763

## Primary source

FDIC BankFind failed-bank search: https://banks.data.fdic.gov/explore/failures?searchName=HERITAGE%20BANK%20OF%20FLORIDA

## Citation

> US Federal Deposit Insurance Corporation, BankFind failed-bank database, HERITAGE BANK OF FLORIDA (FDIC ID 4031), failed 2012-11-02. Retrieved via AI Analytics 2026-06-25 from https://api.ai-analytics.org/failed-bank/4031.

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