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Heritage Community Bank

Union, MO
IDRSSD: 499743
Total Assets
$308.02M
Latest filing
Total Deposits
$265.89M
Latest filing
Net Interest Margin
4.16%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date08/19/1935
Community BankYes
Ownership TypeNot Mutual
ZIP63084
State and County Number29071
Subchapter S CorporationsYes
Trust PowersN/A
Federal Reserve ID Number08
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictKansas City
Core Based Statistical Area NameSt. Louis, MO-IL

Operational Info

Number of Employees45
Domestic Offices4
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date11/03/2022
Date of Deposit Insurance09/19/1935
Primary Insurance AgencyDIF
WebsiteWWW.HCBANKS.COM
Data Updated11/14/2025
CERT15282
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$308.02M
Total Deposits$265.89M
Total Liabilities$284.20M
Total Equity Capital$23.82M
Net Income$1.06M
Net Loans and Leases$274.31M
Assets Per Employee ($Millions)$6.29M
Bank Premises and Fixed Assets$4.19M
Cash and Balances due from Depository Institutions$0
Deposits Held in Domestic Offices$265.89M

Key Performance Ratios

Return on Assets (ROA)1.4%
Return on Equity (ROE)18.21%
Net Interest Margin4.16%
Efficiency Ratio59.5%
Tier 1 Risk-Based Capital Ratio9.238%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.28%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets7.733%
Earning Assets to total Assets95.06%

Income and Expense

Total Interest Income$5.28M
Total Noninterest Income$175.00k
Total Interest Expense$2.28M
Total Noninterest Expense$1.89M
Net Interest Income$3.00M
Pre-tax Net Operating Income$1.07M
Provision for Credit Losses$216.00k
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$15.00M
Federal Funds Sold & Reverse Repurchase Agreement$825.00k
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$3.31M
Total Liabilities and Capital$308.02M

Securities

Securities$5.75M
Available-for-sale debt securities$5.69M
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?
$308.02M as of the latest filing.
How much are Heritage Community Bank's total deposits?
$265.89M in total deposits.
Where is Heritage Community Bank located?
Union, MO.
What is the Net Interest Margin?
4.16%.
How many domestic offices does it operate?
4.
When was it established?
08/19/1935.
What is the Return on Assets (ROA)?
1.4%.
How much are total loans and leases?
$274.31M (latest filing).
What is the total interest income (latest filing)?
$5.28M.