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Heritage Community Bank
Union, MO · FDIC Certificate #15282 · Chartered 08/1
Total assets
$347.77M
Total deposits
$296.59M
Total equity
$27.85M
Net loans
$306.77M
Branches (offices)
5
Net income (YTD)
$2.38M
Rank: #2,262 of 4,213 U.S. banks by assets · #88 of 190 in Missouri. Assets changed 16.0% and deposits 15.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.42% |
| Return on equity | 17.61% |
| Net interest margin (YTD) | 4.16% |
| Equity to assets | 8.01% |
| Tier 1 leverage ratio | 8.30% |
| Uninsured deposits (share of deposits) | 19.5% |
| Noncurrent loans (share of loans) | 0.59% |
| Net charge-offs (share of loans) | 0.17% |
| Loans to deposits | 103.4% |
| Real estate loans (share of loans) | 80.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $247.20M | 80.6% | |
| Commercial & industrial | $42.09M | 13.7% | |
| Consumer / individual | $5.94M | 1.9% | |
| Construction & development | $41.30M | 13.5% | |
| Agricultural | $15.46M | 5.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $204.90M | $175.95M | $1.21M | $17.12M |
| Jun 2023 | $236.83M | $202.47M | $963.00K | $18.17M |
| Jun 2024 | $267.23M | $227.54M | $1.36M | $19.77M |
| Jun 2025 | $299.81M | $257.01M | $2.29M | $22.75M |
| Jun 2026 | $347.77M | $296.59M | $2.38M | $27.85M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $296.59M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $296.59M.
Similar-sized banks
Citizens Deposit Bank Of Arlington, Inc. ($348.19M) · Kerndt Brothers Savings Bank ($347.22M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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