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 7.90
Liquidity Index 0.90
Profitability Index 3.80
Stability Index 6.20
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 9.52%
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 0.00%
Non-Performing Loans to Capital 0.03%
Non-Performing Loans to Loans 0.00%
Balance Sheet Heritage Community Bank
Greeneville, TN
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Total Assets 181.97M
Total Deposits 152.96M
Capital and Reserves Heritage Community Bank
Greeneville, TN
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Capital 17.22M
Leverage Ratio 9.61
Loan Loss Reserves to Loans 1.32%
Risk-Based Capital Ratio 15.68
Liquidity Heritage Community Bank
Greeneville, TN
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Hot Money Ratio 19.98%
Liquidity Ratio 14.47%
Profitability Heritage Community Bank
Greeneville, TN
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5-Year Return on Average Assets 0.72%
Net Income 925.00K
Net Interest Spread 3.85%
Operating Profit to Average Assets 0.84%
Overhead Efficiency Ratio 76.02%
Return on Assets 1.06%
Return on Equity 11.01%