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
Unfavorable gap of $6.9M · efficiency ratio beats 77% of banks under $1B in assets in the St. Louis, MO-IL area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.07% | 0.64% | 1.04% | 1.26% | Beats 57% | 17 / 40 | |
| Return on Equity | 13.41% | 6.25% | 9.97% | 13.41% | Beats 75% | 10 / 40 | |
| Net Interest Margin | 3.89% | 3.09% | 3.22% | 3.62% | Beats 90% | 4 / 40 | |
| Efficiency Ratio | 56.77% | 57.08% | 64.37% | 75.86% | Beats 77% | 10 / 40 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.59% | 0.14% | 0.62% | 1.92% | Beats 55% | 18 / 38 | |
| Net Charge-Offs / Loans | 0.09% | 0.00% | 0.01% | 0.09% | Beats 26% | 29 / 38 | |
| Capital |
| Tier 1 Capital Ratio | 9.39% | 10.29% | 12.88% | 15.77% | Beats 5% | 38 / 40 | |
| Total Risk-Based Capital Ratio | 10.64% | 10.64% | 13.30% | 17.01% | Beats 25% | 30 / 40 | |
| Equity / Assets | 8.01% | 8.59% | 9.46% | 12.46% | Beats 18% | 33 / 40 | |
| Liquidity & Funding |
| Loans / Deposits | 104.77% | 66.12% | 79.48% | 94.60% | 95th pctl | 2 / 40 | |
| Loans / Assets | 89.35% | 54.69% | 68.52% | 77.46% | 98th pctl | 1 / 40 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |