BanksHERITAGE COMMUNITY BANK

HERITAGE COMMUNITY BANK

UNION, MOSmallEst. Aug. 19, 1935, midnightFDIC #15282RSSD #499743FDIC
Latest · 2025-12-31

HERITAGE COMMUNITY BANK is an 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%. CET1 capital ratio: 9.91%. NPL ratio: 1.89% · Texas Ratio: 18.31%. Operates 4 domestic branches.

Assets
$327M
Deposits
$267M
Loans
$293M
Equity
$27M

Profitability

Return on Assets (ROA)0.00%
Return on Equity (ROE)-0.05%
Net Interest Margin4.14%
Yield on Assets7.16%
Cost of Funds3.05%

Asset Quality

NPL Ratio1.89%
Net Charge-Off Ratio0.39%
Texas Ratio18.31%
NPA Ratio1.69%
ACL / Loans1.23%

Capital & Liquidity

CET1 Ratio9.91%
Tier 1 Capital9.91%
Total Capital Ratio11.16%
Leverage Ratio8.53%
Loan-to-Deposit109.61%

This is just the summary.

The full dashboard covers 4,287 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Peer benchmarking
Excel tearsheet exports
Risk & failure probability
Create free account

No credit card required