Heritage Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Heritage Community Bank of Greeneville, TN against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.02% | 1.35% | -0.33% | 35th below |
| ROAE | 10.07% | 12.05% | -1.98% | 36th below |
| Net Interest Margin | 4.22% | 3.90% | +0.32% | 66th above |
| Efficiency Ratio | 68.59% | 63.15% | +5.44% | 31st below |
| PPNR / Avg Assets | 1.30% | 1.64% | -0.34% | 34th below |
| Yield on Earning Assets | 6.44% | 5.65% | +0.79% | 85th top |
| Cost of Funds | 2.32% | 1.85% | +0.47% | 21st bottom |
| Net Interest Spread | 3.80% | 3.35% | +0.45% | 75th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 93rd top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.03% | 0.15% | -0.12% | 32nd below |
| ACL / Total Loans | 1.31% | 1.28% | +0.03% | 64th above |
| Texas Ratio | 0.18% | 7.15% | -6.97% | 86th top |
| Provision / NCO | -20.00% | 1189.93% | -1209.93% | 5th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.10% | 20.83% | -5.73% | 50th above |
| Tier 1 Ratio | 15.10% | 20.87% | -5.77% | 49th below |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.36% | 21.94% | -5.58% | 51st above |
| Leverage Ratio | 10.31% | 12.46% | -2.15% | 38th below |
| Equity / Assets | 10.10% | 11.67% | -1.57% | 46th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.10% | 11.40% | -1.30% | 51st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.51% | 78.64% | +16.87% | 17th bottom |
| Core Deposit Ratio | 84.06% | 87.09% | -3.03% | 27th below |
| Wholesale Funding Ratio | 5.42% | 5.11% | +0.31% | 35th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.33% | 6.48% | -5.15% | 28th below |
| Loan Growth (Y/Y) | -2.01% | 7.64% | -9.65% | 15th bottom |
| Deposit Growth (Y/Y) | -0.58% | 6.03% | -6.61% | 20th bottom |
See Heritage Community Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Heritage Community Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Heritage Community Bank profile, how to read a UBPR, or how this data updates.