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Heritage Community Bank

Greeneville, TN · Cert 57656

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer Standing

Trailing 9 quarters, through Q2 2026

Capital

58

Q2 2024Q2 2026Peer median (50)

Asset Quality

63

Q2 2024Q2 2026Peer median (50)

Profitability

42

Q2 2024Q2 2026Peer median (50)

Liquidity

21

Q2 2024Q2 2026Peer median (100)

Efficiency

30

Q2 2024Q2 2026Peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.

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 2026-10-12

Heritage Community Bank

Greeneville, TN · Cert 57656

State charter, non-member · FDIC · 3 branches

Q2 2026

$184.4MAssets
$145.2MLoans
$152.1MDeposits
$18.6MEquity
Loan mix
91%RE $136.4M6%C&I $9.7M3%Consumer $4.4MQ3 2024Q2 2026
Deposit mix
87%Interest-bearing $132.5M13%Noninterest $19.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.87%, down 19 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 0.03% of loans (+2 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 10.31%, up 70 bps from a year ago.
  • Funding: loans stand at 95.51% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.87%-19 bps YoY

Net Interest Margin (YTD, annualized)

3.79%+25 bps YoY

Efficiency Ratio (YTD, annualized)

72.72%-324 bps YoY

Tier 1 Leverage Ratio

10.31%+70 bps YoY

NIM

5.64%Q2 ’245.72%Q2 ’255.89%Q2 ’26+3%+7%

Non-interest income vs. expense

2.89%Q2 ’242.87%Q2 ’252.92%Q2 ’26-1%+2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.60%0.51%1.32%1.05%1.02%0.97%0.72%0.87%-19 bps
Return on Equity6.18%5.28%13.72%11.03%10.68%10.07%7.14%8.61%-242 bps
Net Interest Margin3.48%3.49%3.62%3.54%3.63%3.69%3.65%3.79%+25 bps
Efficiency Ratio77.18%80.37%77.86%75.96%73.19%73.97%77.14%72.72%-324 bps
Non-Interest Burden2.65%2.77%2.77%2.64%2.59%2.67%2.76%2.69%+6 bps
Growth
Asset Growth (YoY)6.66%8.27%9.17%9.52%10.55%6.81%1.77%1.33%-818 bps
Loan Growth (YoY)7.66%9.14%11.99%9.95%9.89%7.70%2.55%-2.01%-1,196 bps
Deposit Growth (YoY)7.21%9.37%10.03%10.36%11.49%4.78%1.87%-0.58%-1,094 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.01%0.00%0.00%0.11%0.15%0.01%0.03%+2 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.01%0.02%+2 bps
Allowance / Loans1.34%1.33%1.33%1.32%1.29%1.27%1.28%1.31%0 bps
Allowance Coverage of NPLs28.6x186.3x278.6x390.2x11.5x8.7x148.3x51.5x-338.7x
Capital
Tier 1 Leverage Ratio9.73%9.73%9.89%9.61%9.73%9.92%10.11%10.31%+70 bps
Total Risk-Based Capital15.85%15.80%15.72%15.68%15.54%15.40%15.68%16.36%+68 bps
Equity / Assets9.67%9.72%9.49%9.46%9.56%10.09%10.04%10.10%+64 bps
Liquidity & Funding
Loans / Deposits98.26%100.85%98.76%96.90%96.85%103.66%99.41%95.51%-139 bps
Liquid Assets / Assets9.98%8.12%8.79%10.71%10.87%5.47%9.20%11.42%+71 bps
CRE / Total Capitaln/an/an/an/a258%244%252%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 2026-10-12

Heritage Community Bank

Greeneville, TN · Cert 57656 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State charter, non-member · FDIC · 3 branches

Q2 2026

$184.4MAssets
$145.2MLoans
$152.1MDeposits
$18.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 81% of banks under $1B in assets operating in a single state (rank 145 of 743).
  • Widest gap: efficiency ratio trails 70% of banks under $1B in assets operating in a single state (rank 520 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.85%

Rank 484 of 746

Net Interest Margin

3.79%

Rank 336 of 746

Efficiency Ratio

72.72%

Rank 520 of 746

Equity / Assets

10.10%

Rank 412 of 746

Non-interest income vs. expense

$0.4M$5.3MINCOMEEXPENSE
Unfavorable gap of $4.9M · efficiency ratio beats 30% of banks under $1B in assets operating in a single state
Bank 72.72%Peer median 64.6%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.85%0.72%1.06%1.45%Beats 35%484 / 746
Return on Equity8.44%6.74%10.51%13.63%Beats 37%471 / 746
Net Interest Margin3.79%3.17%3.68%4.16%Beats 55%336 / 746
Efficiency Ratio72.72%55.74%64.58%75.47%Beats 30%520 / 746
Asset Quality
Nonperforming Loans / Loans0.03%0.09%0.42%1.07%Beats 81%145 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 45%410 / 743
Capital
Tier 1 Capital Ratio15.10%11.55%13.75%17.60%Beats 62%282 / 746
Total Risk-Based Capital Ratio16.36%11.71%14.33%18.43%Beats 66%255 / 746
Equity / Assets10.10%8.90%10.51%13.06%Beats 45%412 / 746
Liquidity & Funding
Loans / Deposits95.51%61.31%78.27%90.78%85th pctl113 / 746
Loans / Assets78.77%53.60%66.97%76.08%82nd pctl136 / 746
Brokered Deposits / Depositsn/aNot reported for this institution