Heritage Community Bank
Greeneville, TN
IDRSSD: 3224478
Total Assets
$184.77M
Latest filing
Total Deposits
$155.09M
Latest filing
Net Interest Margin
4.16%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Heritage Community Bank
114 W Church St
Greeneville, TN 37745
Full Service - Brick and Mortar
Updated 11/14/2025Established 12/03/2003FDIC Certificate 419210
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Heritage Community Bank (Main) | 114 W Church St | Greeneville, TN |
| GREENEVILLE BRANCH | 3626 E Andrew Johnson Hwy | Greeneville, TN |
| MYERS STREET BRANCH | 1435 70 Bypass | Greeneville, TN |
| BRISTOL BRANCH | 4140 Lee Hwy | Bristol, VA |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 12/03/2003 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 37745 |
| State and County Number | 47059 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Greeneville, TN |
Operational Info
| Number of Employees | 39 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 12/03/2003 |
| Primary Insurance Agency | DIF |
| Website | www.hcbonline.us |
| Data Updated | 11/14/2025 |
| CERT | 57656 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $184.77M |
| Total Deposits | $155.09M |
| Total Liabilities | $167.11M |
| Total Equity Capital | $17.66M |
| Net Income | $437.00k |
| Net Loans and Leases | $148.26M |
| Assets Per Employee ($Millions) | $4.99M |
| Bank Premises and Fixed Assets | $4.79M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $155.09M |
Key Performance Ratios
| Return on Assets (ROA) | 0.95% |
| Return on Equity (ROE) | 10.02% |
| Net Interest Margin | 4.16% |
| Efficiency Ratio | 68.21% |
| Tier 1 Risk-Based Capital Ratio | 14.282% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.558% |
| Earning Assets to total Assets | 92.46% |
Income and Expense
| Total Interest Income | $2.76M |
| Total Noninterest Income | $113.00k |
| Total Interest Expense | $996.00k |
| Total Noninterest Expense | $1.28M |
| Net Interest Income | $1.76M |
| Pre-tax Net Operating Income | $541.00k |
| Provision for Credit Losses | $56.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $11.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.01M |
| Total Liabilities and Capital | $184.77M |
Securities
| Securities | $2.49M |
| Available-for-sale debt securities | $2.49M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Heritage Community Bank?
$184.77M as of the latest filing.
How much are Heritage Community Bank's total deposits?
$155.09M in total deposits.
Where is Heritage Community Bank located?
Greeneville, TN.
What is the Net Interest Margin?
4.16%.
How many domestic offices does it operate?
4.
When was it established?
12/03/2003.
What is the Return on Assets (ROA)?
0.95%.
How much are total loans and leases?
$148.26M (latest filing).
What is the total interest income (latest filing)?
$2.76M.