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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 18.53 percentage points lower than in Q1 2026, at 232.06%. Among 192 Missouri banks, Heritage Community Bank sits 14th from the top on loan-to-deposit ratio, 104.77% as of Q2 2026. Heritage Community Bank reported 104.77% on loan-to-deposit ratio for Q2 2026, 23.83 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $310.7M |
| Net loans and leases | $306.8M |
| Loans held for sale | $2.6M |
| Loans to total assets | 89.35% |
| Loan-to-deposit ratio | 104.77% |
| Net loans to equity capital | 11.02% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.14% |
| Multifamily (5+ residential) | 1.41% |
| Commercial and industrial | 13.54% |
| Consumer | 1.91% |
| Credit cards | 0.00% |
| Farm | 7.12% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 232.06% |
| Construction concentration (Tier 1 capital + allowance) | 131.22% |
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 | 7.24% |
| Interest income on loans | $5.4M |
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 | $218.0M | $204.4M | 21.98% | 12.71% | 2.87% |
| Q4 2023 | $226.4M | $215.4M | 21.78% | 13.39% | 2.71% |
| Q1 2024 | $235.1M | $224.3M | 21.14% | 13.62% | 2.65% |
| Q2 2024 | $240.7M | $227.5M | 21.08% | 14.43% | 2.57% |
| Q3 2024 | $250.3M | $239.8M | 20.39% | 15.34% | 2.40% |
| Q4 2024 | $254.5M | $248.9M | 19.91% | 15.38% | 2.28% |
| Q1 2025 | $260.0M | $255.8M | 18.84% | 15.25% | 2.19% |
| Q2 2025 | $269.2M | $257.0M | 19.05% | 15.21% | 2.12% |
| Q3 2025 | $277.8M | $265.9M | 20.38% | 14.49% | 1.97% |
| Q4 2025 | $292.5M | $266.9M | 19.90% | 12.77% | 1.84% |
| Q1 2026 | $291.2M | $280.6M | 21.27% | 12.66% | 1.90% |
| Q2 2026 | $310.7M | $296.6M | 22.14% | 13.54% | 1.91% |
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 15282) · FFIEC NIC profile (RSSD 499743)