HERITAGE COMMUNITY BANK

GREENEVILLE, TN | Small | Est. Dec. 3, 2003, midnight | FDIC #57656 | RSSD #3224478 | FDIC
Latest Report: 2025-12-31

HERITAGE COMMUNITY BANK is asn small FDIC-insured commercial bank headquartered in GREENEVILLE, TN, established in Dec. 3, 2003, midnight. As of 2025-12-31, the bank reported total assets of $179M and total deposits of $146M. Profitability stands at 0.81% ROA and 8.29% ROE, with a net interest margin of 4.26%. The bank's CET1 capital ratio is 14.15%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.08% and a Texas Ratio of 0.63%. FDIC Certificate #57656.

Assets

$179M

Deposits

$146M

Loans

$151M

Equity

$18M

Profitability

Return on Assets (ROA) 0.81%
Return on Equity (ROE) 8.29%
Net Interest Margin (NIM) 4.26%
Yield on Assets 6.67%
Cost of Funds 2.47%

Asset Quality

NPL Ratio 0.08%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.63%
NPA Ratio 0.07%
ACL / Loans 1.27%

Capital & Liquidity

CET1 Ratio 14.15%
Tier 1 Capital 14.15%
Total Capital Ratio 15.40%
Leverage Ratio 9.92%
Loan-to-Deposit 103.66%

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