HERITAGE COMMUNITY BANK

UNION, MO | Small | Est. Aug. 19, 1935, midnight | FDIC #15282 | RSSD #499743 | FDIC
Latest Report: 2025-12-31

HERITAGE COMMUNITY BANK is asn small FDIC-insured commercial bank headquartered in UNION, MO, established in Aug. 19, 1935, midnight. As of 2025-12-31, the bank reported total assets of $327M and total deposits of $267M. Profitability stands at 0.00% ROA and -0.05% ROE, with a net interest margin of 4.14%. The bank's CET1 capital ratio is 9.91%. Asset quality metrics show a non-performing loan ratio of 1.89% and a Texas Ratio of 18.31%. FDIC Certificate #15282.

Assets

$327M

Deposits

$267M

Loans

$293M

Equity

$27M

Profitability

Return on Assets (ROA) 0.00%
Return on Equity (ROE) -0.05%
Net Interest Margin (NIM) 4.14%
Yield on Assets 7.16%
Cost of Funds 3.05%

Asset Quality

NPL Ratio 1.89%
Net Charge-Off Ratio 0.39%
Texas Ratio 18.31%
NPA Ratio 1.69%
ACL / Loans 1.23%

Capital & Liquidity

CET1 Ratio 9.91%
Tier 1 Capital 9.91%
Total Capital Ratio 11.16%
Leverage Ratio 8.53%
Loan-to-Deposit 109.61%

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