Bank call report · Union, MO
Heritage Community Bank Call Report
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Heritage Community Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 321 reported line items, schedule by schedule (871 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 499743 |
| FDIC certificate number | 15282 |
| Total assets | $347.8M |
Official Q2 2026 call report PDF (FFIEC) →
Heritage Community Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (28 items)
About Schedule RC · Heritage Community Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $347.8M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $347.8M |
| Total Liabilities and Minority Interest | RCON2948 | $319.9M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $308.2M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $304.2M |
| Total Deposits | RCON2200 | $296.6M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $260.1M |
| Deposits: Noninterest-bearing | RCON6631 | $36.5M |
| Total Equity Capital | RCON3210 | $27.8M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $27.8M |
| Other Borrowed Money | RCON3190 | $20.0M |
| Undivided Profits and Capital Reserves | RCON3632 | $16.8M |
| Surplus | RCON3839 | $11.1M |
| Interest-bearing Balances | RCON0071 | $11.1M |
| Other Assets | RCON2160 | $8.2M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $6.2M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $5.8M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $4.5M |
| Other Real Estate Owned | RCON2150 | $4.0M |
| Allowance for Loan and Lease Losses | RCON3123 | $4.0M |
| Other Liabilities, Total | RCON2930 | $3.3M |
| Loans and Leases Held for Sale | RCON5369 | $2.6M |
| Federal Funds Sold | RCONB987 | $680K |
| Goodwill | RCON3163 | $403K |
| Intangible Assets | RCON2143 | $403K |
| Equity securities with readily determinable fair values not held for trading | RCONJA22 | $72K |
| Accumulated Other Comprehensive Income | RCONB530 | -$58K |
| Common Stock | RCON3230 | $50K |
Schedule RI: Income Statement (38 items)
About Schedule RI · Heritage Community Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $11.0M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $10.6M |
| Net Interest Income | RIAD4074 | $6.4M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $4.6M |
| Total Interest Expense | RIAD4073 | $4.5M |
| Total Noninterest Expense | RIAD4093 | $3.9M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $3.9M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $2.4M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $2.4M |
| Net Income (Loss) | RIAD4340 | $2.4M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $2.4M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $2.4M |
| Salaries and Employee Benefits | RIAD4135 | $2.2M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $2.1M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $1.4M |
| Other Noninterest Expense | RIAD4092 | $1.4M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $1.1M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $745K |
| Provision for Loan and Lease Losses | RIAD4230 | $630K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $630K |
| Total Noninterest Income | RIAD4079 | $500K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $480K |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $350K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $348K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $239K |
| Other Noninterest Income | RIADB497 | $231K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $188K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $182K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $157K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $121K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $83K |
| Other Interest Income | RIAD4518 | $46K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $15K |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | $6K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | -$2K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $1K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 49 |
Schedule RC-B: Securities (7 items)
About Schedule RC-B · Heritage Community Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $5.9M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $5.9M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $5.8M |
| Pledged Securities | RCON0416 | $4.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $3.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $2.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $362K |
Schedule RC-C, Part I: Loans and Leases (31 items)
About Schedule RC-C, Part I · Heritage Community Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $310.7M |
| Pledged Loans and Leases | RCONG378 | $192.3M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $103.2M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $88.2M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $68.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $53.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $51.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $44.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $43.7M |
| Commercial and Industrial Loans | RCON1766 | $42.1M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $41.4M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $33.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $30.3M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $27.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $24.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $22.9M |
| Real Estate Loans Secured by Farmland | RCON1420 | $22.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $20.3M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $15.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $8.6M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $7.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $7.3M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $6.1M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $4.4M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $4.1M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $1.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $1.4M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $1.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $998K |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $29K |
| Other Loans | RCONJ464 | $29K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $20.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $18.8M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $8.0M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $5.9M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $5.8M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $4.5M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $3.6M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $2.9M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $1.8M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $1.1M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $763K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $601K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 144 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 65 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 53 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 53 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 50 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 43 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 28 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 20 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 18 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 16 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 14 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 9 |
Schedule RC-E: Deposit Liabilities (25 items)
About Schedule RC-E · Heritage Community Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $245.8M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $219.0M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $122.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $84.0M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $74.3M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $66.7M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $54.8M |
| Total Transaction Accounts | RCON2215 | $50.8M |
| Total Demand Deposits (See Note Below) | RCON2210 | $50.3M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $43.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $38.7M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $33.8M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $32.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $21.8M |
| Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits | RCONK223 | $17.0M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $17.0M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $16.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $10.8M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $9.8M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $7.7M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $7.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $5.8M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $3.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $1.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $592K |
Schedule RC-F: Other Assets (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $3.8M |
| Accrued Interest Receivable | RCONB556 | $2.1M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $1.4M |
| Other Assets | RCON2168 | $874K |
| Prepaid Expenses | RCON2166 | $653K |
Schedule RC-G: Other Liabilities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $2.0M |
| Other Expenses Accrued and Unpaid | RCON3646 | $1.1M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $133K |
| All Other Liabilities | RCON2938 | $124K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Heritage Community Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $331.7M |
| Quarterly Average of Total Loans | RCON3360 | $300.3M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $125.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $113.2M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $105.6M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $82.9M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $40.3M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $39.3M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $16.3M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $13.3M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $8.9M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $5.8M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $5.7M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $815K |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $150K |
| All Other Securities | RCONB560 | $65K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (12 items)
About Schedule RC-L · Heritage Community Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Off-balance Sheet Liabilities | RCON3430 | $13.5M |
| Standby Letters of Credit Issued by a Federal Home Loan Bank on the Bank's Behalf | RCONC978 | $13.5M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $6.4M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $6.3M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $5.1M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $5.1M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $4.3M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Trading | RCONA126 | $1.3M |
| Written OTC Interest Rate Option Contracts | RCON8709 | $1.3M |
| Performance Standby Letters of Credit | RCON3821 | $573K |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $120K |
| Gross Positive Fair Value of Interest Rate Derivative Contracts Held for Trading | RCON8733 | $66K |
Schedule RC-M: Memoranda (8 items)
About Schedule RC-M · Heritage Community Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $19.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $19.0M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $8.0M |
| All Other Real Estate Owned: Nonfarm Nonresidential Properties in Domestic Offices | RCON5512 | $3.6M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $1.0M |
| All Other Real Estate Owned: 1-4 Family Residential Properties in Domestic Offices | RCON5510 | $435K |
| Cost of equity securities with readily determinable fair values not held for trading | RCONJA29 | $38K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 2 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (14 items)
About Schedule RC-N · Heritage Community Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $1.8M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $1.2M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $1.2M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $924K |
| Additions to Nonaccrual Assets | RCONC410 | $431K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $394K |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $179K |
| Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days | RCONF173 | $130K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $60K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $55K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $38K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $35K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $5K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $5K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Heritage Community Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $331.7M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $298.5M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $189.3M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $102.1M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $27.0M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $6.2M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $953K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 7,880 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 299 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 178 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 3 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · Heritage Community Bank regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (23 items)
About Schedule RC-R, Part I · Heritage Community Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $331.7M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $331.3M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $292.8M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $31.2M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $27.8M |
| Common Equity Tier 1 Capital | RCOAP859 | $27.5M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $27.5M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $27.5M |
| Retained Earnings | RCOAKW00 | $16.8M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $11.1M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $3.7M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $3.7M |
| Tier 2 Capital Before Deductions | RCOAP870 | $3.7M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $403K |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $403K |
| Accumulated Other Comprehensive Income | RCOAB530 | -$58K |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$58K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1064 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.0939 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.0939 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.083 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0264 |
Schedule RC-R, Part II: Risk-Weighted Assets (54 items)
About Schedule RC-R, Part II · Heritage Community Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $293.3M |
| Total Risk-weighted Assets | RCONG641 | $292.8M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $237.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $237.4M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $219.6M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $196.9M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $195.4M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $110.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $104.6M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $104.6M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $102.1M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $52.3M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $21.5M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $17.3M |
| Total All Other Assets | RCOND981 | $17.1M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $15.6M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $13.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $13.6M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $13.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $12.9M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $12.9M |
| All Other Off- Balance Sheet Liabilities - 100 Pct Risk Weight Category | RCONG623 | $10.2M |
| All Other Off- Balance Sheet Liabilities - Credit Equivalent Amount | RCONG619 | $10.2M |
| All Other Off- Balance Sheet Liabilities - Face, Notional or Other Amount | RCONG618 | $10.2M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $8.6M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $5.9M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $5.9M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $5.8M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $4.3M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $4.3M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $3.7M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$3.6M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $2.9M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $2.9M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $2.6M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $2.6M |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $2.6M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $1.5M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $1.1M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $912K |
| Federal Funds Sold in Domestic Offices | RCOND971 | $680K |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $680K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $608K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $608K |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $608K |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $608K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $573K |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $403K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $287K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $287K |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $120K |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $120K |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $120K |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$49K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (2 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Assets Sold with Recourse or Other Seller-provided Credit Enhancements and Not Securitized - 1-4 Family Residential Loans | RCONB790 | $10.2M |
| Maximum Amount of Credit Exposure Arising from Recourse or Other Seller-provided Credit Enhancements Provided to Assets Reported in Item 11: 1-4 Family Residential Loans | RCONB797 | $10.2M |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $27.8M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $26.7M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $26.7M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $1.1M |
| Other Comprehensive Income | RIADB511 | -$68K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (5 items)
About Schedule RI-B, Part I · Heritage Community Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $274K |
| Other Construction Loans and All Land Development and Other Land Loans, Charge-offs | RIADC893 | $274K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $20K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $19K |
| Recoveries on All Other Loans | RIAD4628 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Heritage Community Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $4.0M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $3.6M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $274K |
Schedule RI-E: Explanations (3 items)
Heritage Community Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Heritage Community Bank call report?
The Heritage Community Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Heritage Community Bank file?
Heritage Community Bank files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Heritage Community Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Heritage Community Bank has Federal Reserve RSSD ID 499743 and FDIC certificate number 15282. Either one finds its filings on the FFIEC Central Data Repository.
How often does Heritage Community Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Heritage Community Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 15282) · FFIEC NIC profile (RSSD 499743)