Heritage Community Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) climbed 12.23 percentage points in Q2 2026, from 75.15% to 87.38%. It was the largest change from Q1 2026 among the key lines here. Heritage Community Bank ranks 24th of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 95.51% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Heritage Community Bank sits 14.67 points higher, at 95.51% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $145.2M |
| Net loans and leases | $143.3M |
| Loans held for sale | $0 |
| Loans to total assets | 78.77% |
| Loan-to-deposit ratio | 95.51% |
| Net loans to equity capital | 7.70% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.29% |
| Multifamily (5+ residential) | 1.48% |
| Commercial and industrial | 6.51% |
| Consumer | 3.00% |
| Credit cards | 0.00% |
| Farm | 2.07% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 167.39% |
| Construction concentration (Tier 1 capital + allowance) | 87.38% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.78% |
| Interest income on loans | $2.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $127.0M | $129.8M | 19.72% | 5.61% | 5.48% |
| Q4 2023 | $128.8M | $127.5M | 19.40% | 5.57% | 3.19% |
| Q1 2024 | $131.3M | $135.4M | 19.61% | 5.50% | 3.36% |
| Q2 2024 | $134.8M | $138.6M | 20.65% | 5.32% | 3.75% |
| Q3 2024 | $136.7M | $139.1M | 20.25% | 5.08% | 3.80% |
| Q4 2024 | $140.6M | $139.4M | 18.80% | 5.24% | 3.85% |
| Q1 2025 | $147.1M | $148.9M | 19.17% | 5.66% | 3.72% |
| Q2 2025 | $148.2M | $153.0M | 18.44% | 5.36% | 3.65% |
| Q3 2025 | $150.2M | $155.1M | 17.76% | 5.04% | 2.84% |
| Q4 2025 | $151.4M | $146.1M | 16.69% | 6.37% | 3.12% |
| Q1 2026 | $150.8M | $151.7M | 17.45% | 6.45% | 2.94% |
| Q2 2026 | $145.2M | $152.1M | 17.29% | 6.51% | 3.00% |
Heritage Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Heritage Community Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Heritage Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57656) · FFIEC NIC profile (RSSD 3224478)