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Heritage Community Bank

Union, MO · Cert 15282 · Heritage Management Co. Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the St. Louis, MO-IL area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the St. Louis, MO-IL area (n=38 to 40). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

16

Q2 2024Q2 2026peer median (50)

Asset Quality

41

Q2 2024Q2 2026peer median (50)

Profitability

74

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

77

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Heritage Community Bank

Union, MO · Cert 15282 · Heritage Management Co. Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$347.8MAssets
$310.7MLoans
$296.6MDeposits
$27.8MEquity
Loan mix
85%RE $236.1M13%C&I $36.9M2%Consumer $5.5MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $260.1M12%Noninterest $36.5MQ2 2025Q2 2026

NIM

6.48%Q2 ’246.85%Q2 ’256.61%Q2 ’26+17%+1%

Non-interest income vs. expense

2.39%Q2 ’242.36%Q2 ’252.38%Q2 ’260%0%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.2% share · #62 of 111 inst. · $0.3B of $141.7B

4.6% Franklin
7.5% Warren
6.8% Osage
0.3% Jefferson

Executive Summary

  • Earnings: ROA of 1.12%, down 13 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 0.59% of loans (-42 bps YoY), with net charge-offs at 0.16%.
  • Capital: tier 1 leverage ratio of 8.30%, up 54 bps from a year ago.
  • Funding: loans stand at 104.77% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.12%-13 bps YoY

Net Interest Margin (YTD, annualized)

3.89%+5 bps YoY

Efficiency Ratio (YTD, annualized)

56.77%-51 bps YoY

Tier 1 Leverage Ratio

8.30%+54 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.24%1.19%0.88%1.02%1.12%-13 bps
Return on Equity16.40%15.65%11.34%12.59%13.82%-257 bps
Net Interest Margin3.84%3.75%3.75%3.87%3.89%+5 bps
Efficiency Ratio57.28%58.05%58.43%56.40%56.77%-51 bps
Non-Interest Burden2.08%2.07%2.08%2.04%2.08%0 bps
Growth
Asset Growth (YoY)12.19%10.46%16.08%14.22%16.00%+381 bps
Loan Growth (YoY)11.82%10.98%14.96%12.00%15.44%+362 bps
Deposit Growth (YoY)12.95%10.89%7.25%9.70%15.40%+245 bps
Asset Quality
Nonperforming Loans / Loans1.01%1.08%1.91%1.86%0.59%-42 bps
Net Charge-Offs / Loans0.00%0.00%0.39%0.00%0.16%+16 bps
Allowance / Loans1.21%1.24%1.23%1.38%1.28%+7 bps
Allowance Coverage of NPLs1.2x1.1x0.6x0.7x2.2x+1.0x
Capital
Tier 1 Leverage Ratio7.76%7.73%8.53%8.12%8.30%+54 bps
Total Risk-Based Capital10.29%10.49%11.16%11.09%10.64%+35 bps
Equity / Assets7.59%7.73%8.15%8.05%8.01%+42 bps
Liquidity & Funding
Loans / Deposits104.73%104.46%109.61%103.76%104.77%+4 bps
Liquid Assets / Assets3.86%3.87%2.01%3.06%3.18%-68 bps
CRE / Total Capitaln/a447%413%424%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Heritage Community Bank

Union, MO · Cert 15282 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · Heritage Management Co. Inc.

State charter, non-member · FDIC · 5 branches

Q2 2026

$347.8MAssets
$310.7MLoans
$296.6MDeposits
$27.8MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 90% of banks under $1B in assets in the St. Louis, MO-IL area (rank 4 of 40).
  • Widest gap: tier 1 capital ratio trails 95% of banks under $1B in assets in the St. Louis, MO-IL area (rank 38 of 40).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.07%

Rank 17 of 40

Net Interest Margin

3.89%

Rank 4 of 40

Efficiency Ratio

56.77%

Rank 10 of 40

Equity / Assets

8.01%

Rank 33 of 40

Non-interest income vs. expense

$1.0M$7.9MINCOMEEXPENSE
Unfavorable gap of $6.9M · efficiency ratio beats 77% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 56.77%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.07%0.64%1.04%1.26%Beats 57%17 / 40
Return on Equity13.41%6.25%9.97%13.41%Beats 75%10 / 40
Net Interest Margin3.89%3.09%3.22%3.62%Beats 90%4 / 40
Efficiency Ratio56.77%57.08%64.37%75.86%Beats 77%10 / 40
Asset Quality
Nonperforming Loans / Loans0.59%0.14%0.62%1.92%Beats 55%18 / 38
Net Charge-Offs / Loans0.09%0.00%0.01%0.09%Beats 26%29 / 38
Capital
Tier 1 Capital Ratio9.39%10.29%12.88%15.77%Beats 5%38 / 40
Total Risk-Based Capital Ratio10.64%10.64%13.30%17.01%Beats 25%30 / 40
Equity / Assets8.01%8.59%9.46%12.46%Beats 18%33 / 40
Liquidity & Funding
Loans / Deposits104.77%66.12%79.48%94.60%95th pctl2 / 40
Loans / Assets89.35%54.69%68.52%77.46%98th pctl1 / 40
Brokered Deposits / Depositsn/aNot reported for this institution