Heritage Community Bank

BankUnion, Missouri
WWW.HCBANKS.COM

Total Assets

$327.2M

Total Deposits

$266.9M

Branches

5

Established

1935

TFS Health Grade

$
D

63.3 / 100

Below average financial health

How we grade

Heritage Community Bank is a bank headquartered in Union, Missouri, established in 1935. With $327.2M in total assets and 5 branch locations, it has a TFS Financial Health Grade of D (63.3/100).

Capital & Safety

Tier 1 Capital Ratio
8.53%(8%)
Total Capital Ratio
11.16%(10%)
Non-Performing Loan Ratio
1.91%

Profitability

Return on Assets (ROA)
1.11%(1%)
Return on Equity (ROE)
14.38%(10%)
Net Interest Margin
4.07%
Efficiency Ratio
58.43%(60%)

Lending & Liquidity

Total Loans
$292.5M
Loan-to-Deposit Ratio
108.26%
Net Charge-Off Ratio
0.42%

Growth

Asset Growth (YoY)
+16.08%
Deposit Growth (YoY)
+7.25%
Net Income
$3.3M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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