Heritage Community Bank (Union, MO)
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Data as of · sourced from FFIEC call reports. How we update
Heritage Community Bank is an FDIC-insured commercial bank headquartered in Union, MO, established in 1935 (FDIC certificate 15282), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $347.8M, up 16.0% from Q2 2025, the 88th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 9.39% at Q2 2026, above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15282
- Headquarters
- Union, MO
- Established
- 1935
- Total assets, Q2 2026
- $347.8M
- Assets vs Q2 2025
- +16.0%
- CET1 ratio, Q2 2026
- 9.39%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 081509193
- Latest call report
- Q2 2026, FFIEC 041 · Heritage Community Bank call report
- Holding company
- HERITAGE MANAGEMENT COMPANY, INC.
- Asset rank in state
- 88th of 191 in Missouri
Heritage Community Bank pays more for its money than most banks of its size. Based in Union, Missouri, it had $348 million in assets at June 30, 2026, up 16.0% from a year earlier. It pays an average of 3.04% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also holds common equity equal to 9.39% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 15.12%).
Its $42 million commercial and industrial book is improving, with 0.95% past due or on nonaccrual, down from 3.84% a year earlier. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.59% of loans from 1.01%. Credit is the area to watch: it carries problem assets equal to 18.6% of the capital and reserves that would absorb them, 7.1 times the median of 2.6% for banks its size.
As of June 30, 2026, Heritage Community Bank reported a CET1 capital ratio of 9.39%, a return on assets of 1.58%, a nonperforming-loan ratio of 0.59% and a Texas ratio of 18.64%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Heritage Community Bank is the 88th largest of the 191 banks headquartered in Missouri. From Q1 2026 to Q2 2026, its total assets rose 5.5% to $347.8M, loans rose 6.7% and deposits rose 5.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 35.6% of total loans, followed by commercial and industrial loans at 13.5%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities in MO; its Union office books 34% of its branch deposits. Judged on its Q2 2026 call report, Heritage Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 100 E Locust St, Union, MO 63084
- County
- Franklin
- Metro Area
- St. Louis, MO-IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- August 19, 1935
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 49
- Domestic deposits
- $296.6M
- Allowance for credit losses
- $4.0M
- Net charge-offs (YTD)
- $254K
- Average total assets
- $331.7M
- Average total loans
- $300.3M
- Average interest-bearing deposits
- $249.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 19, 1935
- FDIC Cert
- 15282
- Fed RSSD
- 499743
- SEC CIK
- 1387351 → filed by HERITAGE MANAGEMENT COMPANY, INC.
- Website
- WWW.HCBANKS.COM →
- Parent Holding Company
- HERITAGE MANAGEMENT COMPANY, INC. (RSSD 3575723)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Heritage Community Bank's total assets ranged from $247.2M (Q3 2023) to $347.8M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$347.8M total assets against $299.8M; $319.9M total liabilities against $277.1M.
$306.8M net loans and leases against $265.9M; $296.6M total deposits against $257.0M.
$5.9M securities against $5.4M; $18.0M cash and balances due against $16.9M.
$5.6M total interest income against $5.0M; $2.3M total interest expense against $2.2M.
$3.3M net interest income against $2.9M.
$233K total noninterest income against $211K; $2.0M total noninterest expense against $1.7M.
$225K provision for credit losses against $165K.
$1.3M net income against $1.2M.
1.58% return on assets against 1.63%; 4.19% net interest margin against 4.10%.
9.39% CET1 capital ratio against 9.04%; 8.30% tier 1 leverage ratio against 7.76%.
Inside the full Heritage Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Heritage Community Bank rankings
Its closest position to the top of a national ranking is 203 of 3,640, for Texas Ratio; its furthest is 2,127 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.00% (Q4 2025) to 1.63% (Q2 2025) and its net interest margin ran from 3.60% (Q3 2024) to 4.19% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.39% | 1.58% | 0.59% | 18.64% | 4.19% |
| Q1 2026 | 9.84% | 1.32% | 1.86% | 17.97% | 4.03% |
| Q4 2025 | 9.91% | 0.00% | 1.91% | 18.67% | 4.07% |
| Q3 2025 | 9.24% | 1.40% | 1.08% | 11.18% | 4.11% |
| Q2 2025 | 9.04% | 1.63% | 1.01% | 11.05% | 4.10% |
| Q1 2025 | 9.11% | 1.56% | 1.04% | 11.15% | 3.89% |
| Q4 2024 | 9.27% | 1.47% | 0.44% | 4.65% | 3.84% |
| Q3 2024 | 8.94% | 1.26% | 0.44% | 4.70% | 3.60% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Heritage Community Bank (main office) | Union , MO | 63084 | $101.2M |
| Washington Branch | Washington , MO | 63090 | $81.2M |
| Marthasville Branch | Marthasville , MO | 63357 | $64.1M |
| Chamois Branch | Chamois , MO | 65024 | $39.1M |
| Pevely Branch | Pevely , MO | 63070 | $11.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in MO, rank 114 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 225 applications, 215 loans originated, $51.1M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 5 loans, $985K approved, $197K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Heritage Community Bank
What are Heritage Community Bank's total assets?
As of the Q2 2026 filing, Heritage Community Bank reported total assets of $347.8 million in its FFIEC call report.
Where is Heritage Community Bank headquartered?
It is headquartered in Union, MO, United States.
When was Heritage Community Bank founded?
It was established in 1935, per the FDIC institution directory.
Is Heritage Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15282). 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.
What is Heritage Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 9.39% in its Q2 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does Heritage Community Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Heritage Community Bank's Texas Ratio?
Its Texas Ratio is 18.64% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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