# HERITAGE COMMUNITY BANK
UNION, MO · FDIC certificate 15282 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $347.8M | |
| Deposits | $296.6M | |
| Loans and leases | $310.7M | |
| Total equity | $27.8M | |
| Loans / deposits | 103.43% (p93 of band) | 82.04% |
| Liquid assets / assets | 6.86% (p2 of band) | |
| Uninsured deposits / deposits | 19.48% (p27 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.75% (p62 of band) | |
| FHLB advances / assets | 5.75% | |
| Tier 1 leverage | 8.30% (p4 of band) | 10.81% |
| Unrealized securities loss / equity | -0.43% (p91 of band) | -8.10% |
| AOCI / equity | -0.24% (p56 of band) | |
| ROA (annualized) | 1.42% (p59 of band) | 1.28% |
| Net interest margin | 4.16% (p65 of band) | 3.91% |
| Efficiency ratio | 56.77% (p36 of band) | |
| Noncurrent loans | 0.59% (p58 of band) | 0.43% |
| Net charge-offs (annualized) | 0.15% (p89 of band) | |
| Reserve coverage of noncurrent | 217.15% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 148.33% (p97 of band) | |
| Auto loans | $1.8M (0.59% of loans; DQ 3.96%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 15.4% | |
| Employees | 49 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 1 | uninsured deposits leaving | capital falling |
| 2014-06 | 2 | charge-offs p90 |  |
| 2014-09 | 3 | capital falling |  |
| 2014-12 | 2 |  | charge-offs p90 |
| 2015-03 | 1 |  | uninsured deposits leaving |
| 2015-06 | 4 | loans exceed deposits, liquid assets <10%, construction >100% equity |  |
| 2015-09 | 4 |  |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 2 |  | loans exceed deposits, liquid assets <10% |
| 2016-06 | 4 | loans exceed deposits, liquid assets <10% |  |
| 2016-09 | 3 |  | capital falling |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 | capital falling | liquid assets <10% |
| 2017-06 | 4 | liquid assets <10%, uninsured deposits leaving | capital falling |
| 2017-09 | 4 |  |  |
| 2017-12 | 2 |  | liquid assets <10%, uninsured deposits leaving |
| 2018-03 | 4 | noncurrent p90, charge-offs p90, reserve under noncurrent | loans exceed deposits |
| 2018-06 | 5 | loans exceed deposits, liquid assets <10% | noncurrent p90 |
| 2018-09 | 4 |  | reserve under noncurrent |
| 2018-12 | 4 |  |  |
| 2019-03 | 3 |  | charge-offs p90 |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2020-06 | 4 | loans exceed deposits, liquid assets <10%, capital falling |  |
| 2020-09 | 3 |  | capital falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 | capital falling, charge-offs p90 | loans exceed deposits, liquid assets <10% |
| 2021-06 | 1 |  | capital falling, charge-offs p90 |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2022-12 | 4 | capital falling |  |
| 2023-03 | 4 |  |  |
| 2023-06 | 3 |  | capital falling |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | capital falling |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 3 |  | capital falling |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 5 | charge-offs p90, reserve under noncurrent |  |
| 2026-03 | 4 |  | charge-offs p90 |
| 2026-06 | 3 |  | reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2019-09-05 [Heritage Community Bank Announces Promotions, New Hire - GreenevilleSun.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxOOWlRQjMwUFBON3MwRnE0OVR3SF8tSVlvdFFuRDBMeWQ5N0NydW9ZNXBEQ1p4ZnNiU2xLeGRUUnFSM2N2Q0h4QjJYclNIUjhhSEdsU2ZldzFvbVVZT3lJZ3B3Rml3LVBlSDBOSDQ1MVJaZFBwc1pDVmhPLVQ0WjJrUXdNTFc3SEFBTl9hMUpBZGRNanN1eDdjT1I2RXJFbzZaWkZyRFNRa21odjJsUEJJZEd4QVM3bkVGN3NIYklzTE5CRF9RUE1XUGd0ZG1DbW8?oc=5) · GreenevilleSun.com
- 2022-11-16 [Heritage Community of Kalamazoo unveils $60M living complex for older adults - wwmt.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxPeUE0ZVdON3BqU1NfYkdLbnhIM3lHTElOdElROXV4QVEycl9GQ28yN1hqOWVjYlVpcTVWOWQ5djlzYXhpYk16TmNvVUdGdXB6NjRYcmd5anYtLUxvSW1wYkFnOXcwOE55bFgxNFptWjA5ZEVlZUhJeHh4UldTWkcwQ2dxQ0swc18zMlk5dEpvY2h5X29Od1ljb3dBVTlDcUozNnhnNkw3dU82WDhvUWdOQ3YxMmtleXNOYkl4clhFOGg2SDZ5NEp1NnJsYXJ2Tjg?oc=5) · wwmt.com
- 2017-01-11 ['Guaranty' Mix-Up Shows Perils of Generic Names - American Banker](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOZDJnZk02MUtnYXo2YVFsXzFoMWdYeUp2Q0lIeDlJM0MtYVBkVnRBMkgtRV94dTFmeERrT2JsTHNmY2EzaFZnVjJBdmNXQVVlaWxMSjJ3RVVaa0JMMm5fcGhZV3RxUVFXVGYxV2JsSXFOSFozVTRuYzg0MVczQVduNzN2NDloOVRN?oc=5) · American Banker
- 2011-03-15 [FDIC slow to pursue failed bank directors, recover tax dollars - Center for Public Integrity](https://news.google.com/rss/articles/CBMivgFBVV95cUxNcVh3YWxFOHJHYm9zUXlmYlpscXhjazJEbDFnNzlFdzcxOXJsTnY1TGxSdXRJUXNxYzU2d0lHbWdHU2Z5OW5TUHBCQUNkNlU3VlF2clZsa3pYeER5QWdLSUxBMW1oOWNGR2ktd0RrZXFDdjlHYk03QjI0SnFPblI2eUJEeTV1TTJHMGd5OTVLcVQzV2c1ZlVFTTV3ZmhXLW8tR245QThGdWJfTW9rN3NNOHVNOUFRSTQxVk12NmRB?oc=5) · Center for Public Integrity
- 2013-03-05 [Chamois Community Reacts to Power Plant Closing - KOMU 8](https://news.google.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?oc=5) · KOMU 8
- 2018-02-15 [Funerals arranged for children killed in Chamois house fire - KRCG](https://news.google.com/rss/articles/CBMikwFBVV95cUxPVFV1aDhiUUptSDJ3eGNMZlk1OFA2djBsR0l5cVlXSTdSeFFsOUdZaFVCZmttRVZuQjFhOXhDSG94U1pKWUJNR25sRGFtVlNGeDBZLUowcUx5UU9TbkZLcHJ2anZXc2poQTZGQkVSMm15ck5ScXRCOVVzVW9mNW41czdjZEltQkprUkJubWZ5WVEyOVE?oc=5) · KRCG
- 2024-07-17 [Apex Bank Conducts School Supply Drive Through Aug. 16 - GreenevilleSun.com](https://news.google.com/rss/articles/CBMi5AFBVV95cUxPdkdBWkNSVHpuSG5oMnBfQmZpOE1JbW02OWlReXBIbDVGTVdSUC1nOFpRV2pVU21lVVpUZWt5QWxUZi1nVmxWUk9Gc1MxNE1aMElTVHpoRmNETUVjRDNiejJlTXZZNnowRFNzdUZZUF8wb09RQ1gzWmphSDlMazkwVkI4dl93aDBfTElRQ082X3ZjSl9vcDRyNGdfclRBRldMTTR4bWhyMUpiRXhXaWFDNUd0S2IzeWhIVEpkYkI0QV9wbVZaUDIweVozMUh3S3JlbzNsVm1jNlR0TEQ2UTFsSEtKZHg?oc=5) · GreenevilleSun.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15282 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/50.json (key "15282", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide