Bank Comparison
Heritage Community Bank vs O'bannon Banking Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 12
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Heritage Community Bank | O'bannon Banking Company |
|---|---|---|
| CET1 Ratio | 9.84% | — |
| Tier 1 Capital Ratio | 9.84% | — |
| Total Capital Ratio | 11.09% | — |
| Tier 1 Leverage Ratio | 8.12% | 9.00% |
| Equity / Assets | 8.05% | 8.48% |
Profitability
| Metric | Heritage Community Bank | O'bannon Banking Company |
|---|---|---|
| Return on Assets (ROA) | 1.32% | 1.00% |
| Return on Equity (ROE) | 16.02% | 11.73% |
| Net Interest Margin (NIM) | 4.03% | 4.00% |
| Yield on Earning Assets | 6.90% | 5.96% |
| Cost of Funds | 2.98% | 2.12% |
Asset quality
| Metric | Heritage Community Bank | O'bannon Banking Company |
|---|---|---|
| Texas Ratio | 17.97% | 11.78% |
| Non-Performing Loan Ratio | 1.86% | 1.50% |
| Non-Performing Asset Ratio | 1.64% | 1.10% |
| Net Charge-Off Ratio | 0.00% | -0.01% |
| ACL / Loans | 1.38% | 1.17% |
Balance sheet
| Metric | Heritage Community Bank | O'bannon Banking Company |
|---|---|---|
| Total Assets | $329,785K | $333,810K |
| Total Deposits | $280,622K | $299,636K |
| Total Loans | $291,169K | $245,311K |
| Total Equity | $26,550K | $28,298K |
| Net Income (quarter) | $1,066K | $831 |
Liquidity & funding
| Metric | Heritage Community Bank | O'bannon Banking Company |
|---|---|---|
| Loan-to-Deposit Ratio | 103.76% | 81.87% |
| Core Deposit Ratio | 89.41% | 93.59% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Heritage Community Bank | O'bannon Banking Company |
|---|---|---|
| Headquarters City | UNION | BUFFALO |
| Headquarters State | MO | MO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 5 |
| Employees (FTE) | 49 | 53 |
| Established | Aug. 19, 1935, midnight | Nov. 20, 1905, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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