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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

6.63%Q2 ’246.97%Q2 ’256.77%Q2 ’26+20%+1%

Non-interest income vs. expense

2.39%Q2 ’242.40%Q2 ’252.45%Q2 ’26+0%+3%

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 1.22%, down 4 bps year over year; NIM at 4.01%.
  • Asset quality: problem loans at 0.59% of loans (-42 bps YoY), with net charge-offs at 0.33%.
  • 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 (quarter, annualized)

1.22%-4 bps YoY

Net Interest Margin (quarter, annualized)

4.01%+4 bps YoY

Efficiency Ratio (quarter, annualized)

57.13%+82 bps YoY

Tier 1 Leverage Ratio

8.30%+54 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.26%1.10%0.00%1.02%1.22%-4 bps
Return on Equity16.72%14.31%-0.05%12.59%15.16%-156 bps
Net Interest Margin3.98%3.96%3.93%3.87%4.01%+4 bps
Efficiency Ratio56.31%59.50%59.48%56.40%57.13%+82 bps
Non-Interest Burden2.11%2.26%2.22%2.04%2.17%+6 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%1.57%0.00%0.33%+33 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