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 Union, MO against its peer group of 2603 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 | 1.58% | 1.34% | +0.24% | 68th above |
| ROAE | 19.31% | 13.32% | +5.99% | 85th top |
| Net Interest Margin | 4.19% | 3.93% | +0.26% | 64th above |
| Efficiency Ratio | 57.13% | 61.13% | -4.00% | 63rd above |
| PPNR / Avg Assets | 1.84% | 1.68% | +0.16% | 65th above |
| Yield on Earning Assets | 7.08% | 5.67% | +1.41% | 95th top |
| Cost of Funds | 3.04% | 1.88% | +1.16% | 5th bottom |
| Net Interest Spread | 3.73% | 3.32% | +0.41% | 72nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.59% | 0.94% | -0.35% | 41st below |
| NPA / Total Assets | 1.68% | 0.70% | +0.98% | 10th bottom |
| NCO / Avg Loans | 0.34% | 0.16% | +0.18% | 9th bottom |
| ACL / Total Loans | 1.28% | 1.28% | +0.00% | 60th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 217.15% | 1546.61% | -1329.46% | 50th above |
| Texas Ratio | 18.64% | 7.33% | +11.31% | 9th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 248.03% | 1395.45% | -1147.42% | 62nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 9.39% | 19.49% | -10.10% | 0th bottom |
| Tier 1 Ratio | 9.39% | 19.52% | -10.13% | 0th bottom |
| Total Capital Ratio | 10.64% | 20.61% | -9.97% | 1st bottom |
| Leverage Ratio | 8.30% | 12.14% | -3.84% | 4th bottom |
| Equity / Assets | 8.01% | 11.37% | -3.36% | 14th bottom |
| TCE / Tangible Assets | 7.90% | 11.08% | -3.18% | 15th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 104.77% | 80.65% | +24.12% | 7th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.59% | 86.85% | +1.74% | 47th below |
| Wholesale Funding Ratio | 5.75% | 5.04% | +0.71% | 33rd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 16.00% | 6.84% | +9.16% | 92nd top |
| Loan Growth (Y/Y) | 15.44% | 7.92% | +7.52% | 87th top |
| Deposit Growth (Y/Y) | 15.40% | 6.29% | +9.11% | 91st top |
See Heritage Community Bank's peers by name
The 2603 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.