Heritage Community Bank
Union, MO
IDRSSD: 499743
Total Assets
$327.17M
Latest filing
Total Deposits
$266.90M
Latest filing
Net Interest Margin
4.07%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
081509193FRANKLIN, MO
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Heritage Community Bank
100 E Locust St
Union, MO 63084
Full Service - Brick and Mortar
Updated 01/30/2026Established 08/19/1935FDIC Certificate 9627
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Heritage Community Bank (Main) | 100 E Locust St | Union, MO |
| MARTHASVILLE BRANCH | 15967 Hwy 47 | Marthasville, MO |
| WASHINGTON BRANCH | 801 Franklin Ave | Washington, MO |
| CHAMOIS BRANCH | 101 South Main St | Chamois, MO |
| HERITAGE COMMUNITY BANK - PEVELY BRANCH | 8601 Daniel Dunklin Blvd | Pevely, MO |
Showing 4 of 4
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 | 08/19/1935 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 63084 |
| State and County Number | 29071 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | St. Louis, MO-IL |
Operational Info
| Number of Employees | 49 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/03/2022 |
| Date of Deposit Insurance | 09/19/1935 |
| Primary Insurance Agency | DIF |
| Website | WWW.HCBANKS.COM |
| Data Updated | 01/30/2026 |
| CERT | 15282 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $327.17M |
| Total Deposits | $266.90M |
| Total Liabilities | $300.50M |
| Total Equity Capital | $26.68M |
| Net Income | $-3,000 |
| Net Loans and Leases | $288.95M |
| Assets Per Employee ($Millions) | $6.68M |
| Bank Premises and Fixed Assets | $4.28M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $266.90M |
Key Performance Ratios
| Return on Assets (ROA) | 0% |
| Return on Equity (ROE) | -0.05% |
| Net Interest Margin | 4.07% |
| Efficiency Ratio | 59.48% |
| Tier 1 Risk-Based Capital Ratio | 9.913% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 1.66% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.153% |
| Earning Assets to total Assets | 92.21% |
Income and Expense
| Total Interest Income | $5.23M |
| Total Noninterest Income | $214.00k |
| Total Interest Expense | $2.21M |
| Total Noninterest Expense | $1.93M |
| Net Interest Income | $3.02M |
| Pre-tax Net Operating Income | $-8,000 |
| Provision for Credit Losses | $1.32M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $30.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $230.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.10M |
| Total Liabilities and Capital | $327.17M |
Securities
| Securities | $5.92M |
| Available-for-sale debt securities | $5.86M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$327.17M as of the latest filing.
How much are Heritage Community Bank's total deposits?
$266.90M in total deposits.
Where is Heritage Community Bank located?
Union, MO.
What is the Net Interest Margin?
4.07%.
How many domestic offices does it operate?
4.
When was it established?
08/19/1935.
What is the Return on Assets (ROA)?
Not available.
How much are total loans and leases?
$288.95M (latest filing).
What is the total interest income (latest filing)?
$5.23M.