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
Unfavorable gap of $4.9M · efficiency ratio beats 30% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.85% | 0.72% | 1.06% | 1.45% | Beats 35% | 484 / 746 | | |
| Return on Equity | 8.44% | 6.74% | 10.51% | 13.63% | Beats 37% | 471 / 746 | | |
| Net Interest Margin | 3.79% | 3.17% | 3.68% | 4.16% | Beats 55% | 336 / 746 | | |
| Efficiency Ratio | 72.72% | 55.74% | 64.58% | 75.47% | Beats 30% | 520 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.09% | 0.42% | 1.07% | Beats 81% | 145 / 743 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 45% | 410 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 15.10% | 11.55% | 13.75% | 17.60% | Beats 62% | 282 / 746 | | |
| Total Risk-Based Capital Ratio | 16.36% | 11.71% | 14.33% | 18.43% | Beats 66% | 255 / 746 | | |
| Equity / Assets | 10.10% | 8.90% | 10.51% | 13.06% | Beats 45% | 412 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 95.51% | 61.31% | 78.27% | 90.78% | 85th pctl | 113 / 746 | | |
| Loans / Assets | 78.77% | 53.60% | 66.97% | 76.08% | 82nd pctl | 136 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |