Heritage Community Bank
Heritage Community Bank is an FDIC-insured commercial bank. On its most recent Q1 2026 call report, Heritage Community reported $181M in total assets against $152M in deposits. Returns are in line with industry norms at 0.72% ROA and 7.14% ROE; net interest margin is 3.89%. Capital cushions are healthy: 14.43% CET1, 10.11% Tier 1 leverage. Credit metrics are pristine, with nonperforming loans at just 0.01%. 4 branches make up the footprint.
Headquarters Profile
- Address
- 114 W Church St, GREENEVILLE, TN 37745
- County
- Greene
- Metro Area
- GREENEVILLE, TN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 13
- Established
- December 3, 2003
- Branches
- 4 domestic
- Employees (FTE)
- 33
- FDIC Cert
- 57656
- Fed RSSD
- 3224478
- Website
- www.hcbonline.us →
Capital & Liquidity
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Heritage Community Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Heritage Community Bank
What are Heritage Community Bank's total assets?
As of the Q1 2026 filing, Heritage Community Bank reported total assets of $180.8 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Heritage Community Bank headquartered?
Heritage Community Bank is headquartered in GREENEVILLE, TN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Heritage Community Bank founded?
Heritage Community Bank was established in 2003, per the FDIC institution directory.
Is Heritage Community Bank FDIC-insured?
Yes. Heritage Community Bank is an FDIC-insured commercial bank (FDIC Certificate #57656). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Heritage Community Bank?
Heritage Community Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Heritage Community Bank's CET1 capital ratio?
Heritage Community Bank reported a Common Equity Tier 1 (CET1) capital ratio of 14.43% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Heritage Community Bank operate?
Heritage Community Bank operates 4 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Heritage Community Bank's Texas Ratio?
Heritage Community Bank's Texas Ratio is 0.06% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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