C
Heritage Community Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Heritage Community Bank
Greeneville, TN
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Rating C
Asset Quality Index 8.80
Capitalization Index 8.10
Liquidity Index 0.90
Profitability Index 4.30
Stability Index 5.90
Company Info Heritage Community Bank
Greeneville, TN
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FDIC Number 57656
Phone Number (423) 636-5000
Website www.hcbonline.us
Asset Quality Heritage Community Bank
Greeneville, TN
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1-Year Asset Growth 10.55%
5-Year Asset Growth 7.66%
5-Year Charge-Offs to Average Loans -0.06%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.09%
Non-Performing Loans to Capital 0.86%
Non-Performing Loans to Loans 0.11%
Balance Sheet Heritage Community Bank
Greeneville, TN
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Total Assets 184.77M
Total Deposits 155.09M
Capital and Reserves Heritage Community Bank
Greeneville, TN
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Capital 17.66M
Leverage Ratio 9.73
Loan Loss Reserves to Loans 1.29%
Risk-Based Capital Ratio 15.54
Liquidity Heritage Community Bank
Greeneville, TN
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Hot Money Ratio 20.38%
Liquidity Ratio 14.76%
Profitability Heritage Community Bank
Greeneville, TN
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5-Year Return on Average Assets 0.72%
Net Income 1.36M
Net Interest Spread 3.94%
Operating Profit to Average Assets 0.96%
Overhead Efficiency Ratio 73.23%
Return on Assets 1.02%
Return on Equity 10.67%