Heritage Community Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio dropped 3.90 percentage points in Q2 2026, from 99.41% to 95.51%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Heritage Community Bank is 63rd of 109 on return on assets, 1.02% as of Q2 2026, below the middle of the field. Heritage Community Bank reported 1.02% on return on assets for Q2 2026, 0.23 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.10% |
| Tier 1 risk-based capital ratio | 15.10% |
| Total risk-based capital ratio | 16.36% |
| Tier 1 leverage ratio | 10.31% |
| Equity capital to assets | 10.10% |
| Tangible equity to tangible assets | 10.10% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 0.18% |
| Allowance for credit losses to loans | 1.31% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.02% |
| Return on equity | 10.07% |
| Net interest margin | 4.22% |
| Efficiency ratio | 68.59% |
| Yield on earning assets | 6.44% |
| Cost of funds | 2.32% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.51% |
| Core deposits to total deposits | 84.06% |
| Brokered deposits to total deposits | 7.53% |
| Deposits to assets | 82.47% |
| Securities to assets | 1.34% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.58% | 14.58% | 15.83% | 9.86% | 0.81% |
| Q4 2023 | 14.98% | 14.98% | 16.23% | 10.01% | 0.59% |
| Q1 2024 | 14.92% | 14.92% | 16.17% | 9.79% | 0.79% |
| Q2 2024 | 14.62% | 14.62% | 15.88% | 9.74% | 0.68% |
| Q3 2024 | 14.59% | 14.59% | 15.85% | 9.73% | 0.68% |
| Q4 2024 | 14.55% | 14.55% | 15.80% | 9.73% | 0.29% |
| Q1 2025 | 14.46% | 14.46% | 15.72% | 9.89% | 1.33% |
| Q2 2025 | 14.42% | 14.42% | 15.68% | 9.61% | 0.80% |
| Q3 2025 | 14.28% | 14.28% | 15.54% | 9.73% | 0.96% |
| Q4 2025 | 14.15% | 14.15% | 15.40% | 9.92% | 0.81% |
| Q1 2026 | 14.43% | 14.43% | 15.68% | 10.11% | 0.72% |
| Q2 2026 | 15.10% | 15.10% | 16.36% | 10.31% | 1.02% |
Heritage Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Heritage Community Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)