C
Heritage Community Bank
Rating Date
March 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 8.70
Capitalization Index 8.40
Liquidity Index 0.50
Profitability Index 4.20
Stability Index 3.70
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 6.81%
5-Year Asset Growth 8.10%
5-Year Charge-Offs to Average Loans -0.06%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.07%
Non-Performing Loans to Capital 1.11%
Non-Performing Loans to Loans 0.08%
Balance Sheet Heritage Community Bank
Greeneville, TN
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Total Assets 178.79M
Total Deposits 146.07M
Capital and Reserves Heritage Community Bank
Greeneville, TN
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Capital 18.03M
Leverage Ratio 9.92
Loan Loss Reserves to Loans 1.27%
Risk-Based Capital Ratio 15.40
Liquidity Heritage Community Bank
Greeneville, TN
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Hot Money Ratio 21.02%
Liquidity Ratio 10.73%
Profitability Heritage Community Bank
Greeneville, TN
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5-Year Return on Average Assets 0.72%
Net Income 1.73M
Net Interest Spread 3.99%
Operating Profit to Average Assets 0.96%
Overhead Efficiency Ratio 74.00%
Return on Assets 0.97%
Return on Equity 10.06%