C
Heritage Community Bank
Rating Date
August 2026
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 9.00
Liquidity Index 0.90
Profitability Index 3.10
Stability Index 6.50
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 1.33%
5-Year Asset Growth 8.10%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.18%
Non-Performing Loans to Loans 0.00%
Balance Sheet Heritage Community Bank
Greeneville, TN
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Total Assets 184.40M
Total Deposits 152.07M
Capital and Reserves Heritage Community Bank
Greeneville, TN
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Capital 18.62M
Leverage Ratio 10.31
Loan Loss Reserves to Loans 1.31%
Risk-Based Capital Ratio 16.36
Liquidity Heritage Community Bank
Greeneville, TN
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Hot Money Ratio 20.48%
Liquidity Ratio 17.99%
Profitability Heritage Community Bank
Greeneville, TN
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5-Year Return on Average Assets 0.79%
Net Income 786.00K
Net Interest Spread 4.05%
Operating Profit to Average Assets 1.11%
Overhead Efficiency Ratio 72.72%
Return on Assets 0.87%
Return on Equity 8.62%