| Weiss Ratings |
Heritage Community Bank
Union, MO |
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| Rating | ||||
| Asset Quality Index | 4.00 | |||
| Capitalization Index | 6.30 | |||
| Liquidity Index | 0.10 | |||
| Profitability Index | 5.60 | |||
| Stability Index | 3.70 | |||
| Company Info |
Heritage Community Bank
Union, MO |
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| FDIC Number | 15282 | |||
| Phone Number | (573) 763-5958 | |||
| Website | www.hcbanks.com | |||
| Asset Quality |
Heritage Community Bank
Union, MO |
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| 1-Year Asset Growth | 16.00% | |||
| 5-Year Asset Growth | 17.37% | |||
| 5-Year Charge-Offs to Average Loans | 0.09% | |||
| Charge-Offs to Average Loans | 0.17% | |||
| Non-Performing Assets to Assets | 1.68% | |||
| Non-Performing Loans to Capital | 5.82% | |||
| Non-Performing Loans to Loans | 0.59% | |||
| Balance Sheet |
Heritage Community Bank
Union, MO |
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| Total Assets | 347.78M | |||
| Total Deposits | 296.59M | |||
| Capital and Reserves |
Heritage Community Bank
Union, MO |
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| Capital | 27.85M | |||
| Leverage Ratio | 8.30 | |||
| Loan Loss Reserves to Loans | 1.28% | |||
| Risk-Based Capital Ratio | 10.64 | |||
| Liquidity |
Heritage Community Bank
Union, MO |
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| Hot Money Ratio | 36.45% | |||
| Liquidity Ratio | 6.03% | |||
| Profitability |
Heritage Community Bank
Union, MO |
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| 5-Year Return on Average Assets | 1.22% | |||
| Net Income | 2.38M | |||
| Net Interest Spread | 4.11% | |||
| Operating Profit to Average Assets | 1.45% | |||
| Overhead Efficiency Ratio | 56.77% | |||
| Return on Assets | 1.45% | |||
| Return on Equity | 17.68% | |||