Heritage Community Bank (FDIC #15282): Bank Stress & Real-Estate Credit Exposure
Heritage Community Bank (FDIC Cert #15282): bank stress 69/100, elevated, STABLE over 7 days; parent HERITAGE MANAGEMENT CO INC.
Heritage Community Bank (#15282) lends in 4 counties across 1 state; Heritage Community Bank (#15282) reaches 70 ZIP codes: Missouri 4 counties, 70 ZIPs.
Heritage Community Bank (#15282) largest markets: Jefferson County, MO (25 branches, 25 ZIPs) (#15282), Franklin County, MO (46 branches, 23 ZIPs) (#15282), Osage County, MO (16 branches, 16 ZIPs) (#15282), Warren County, MO (10 branches, 10 ZIPs) (#15282).
Heritage Community Bank (#15282) reports $347.8 million in total assets; Heritage Community Bank (#15282) equity $27.8 million (8.0% of Heritage Community Bank (#15282) assets); Heritage Community Bank (#15282) domestic deposits $296.6 million; Heritage Community Bank (#15282) net income $2.4 million; Heritage Community Bank (#15282) return on assets 1.42%; Heritage Community Bank (#15282) return on equity 17.61%; Heritage Community Bank (#15282) net interest income $6.4 million; Heritage Community Bank (#15282) call report June 30, 2026.
Heritage Community Bank (#15282) noncurrent real-estate loans 0.23% of its book; Heritage Community Bank (#15282) net charge-offs on real estate 0.57%.
Heritage Community Bank (#15282) net interest margin 4.16% against an eight-quarter Heritage Community Bank (#15282) average of 3.94% (Heritage Community Bank (#15282) compression -0.22 points); Heritage Community Bank (#15282) real-estate loans 22.8% of equity; Heritage Community Bank (#15282) rate-exposure score 40/100, Heritage Community Bank (#15282) fixed-rate trap 40/100; Heritage Community Bank (#15282) risk type credit driven; Heritage Community Bank (#15282) rate regime rates elevated, Heritage Community Bank (#15282) snapshot October 20, 2026.
Heritage Community Bank (#15282) stress score moved from 70.1 on June 22, 2026 to 69.2 on October 20, 2026; Heritage Community Bank (#15282) ranged 69.2 to 70.1 over 117 snapshots.
Heritage Community Bank (#15282) alerts: 4 counties; top Heritage Community Bank (#15282) alert scores: Washington County, MO 44 (moderate); Chamois County, MO 23 (low); Marthasville County, MO 23 (low); Pevely County, MO 23 (low).