# HERITAGE COMMUNITY BANK
HARTSVILLE, SC · FDIC certificate 35076 · asset band <$300M · latest filing 2018-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $110.7M | |
| Deposits | $93.7M | |
| Loans and leases | $83.8M | |
| Total equity | $11.6M | |
| Loans / deposits | 88.59% (p70 of band) | 78.40% |
| Liquid assets / assets | 17.28% (p21 of band) | |
| Uninsured deposits / deposits | 11.06% (p30 of band) | 15.34% |
| Brokered deposits | 2.20% | |
| Wholesale funding | 5.81% (p68 of band) | |
| FHLB advances / assets | 3.61% | |
| Tier 1 leverage | 10.47% (p36 of band) | 11.34% |
| Unrealized securities loss / equity | -1.97% (p62 of band) | -3.15% |
| AOCI / equity | -0.95% (p62 of band) | |
| ROA (annualized) | 0.59% (p22 of band) | 1.02% |
| Net interest margin | 3.97% (p60 of band) | 3.82% |
| Efficiency ratio | 77.69% (p73 of band) | |
| Noncurrent loans | 1.91% (p82 of band) | 0.57% |
| Net charge-offs (annualized) | 0.27% (p93 of band) | |
| Reserve coverage of noncurrent | 48.19% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 46.48% (p77 of band) | |
| Auto loans | $1.9M (2.22% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.0% | |
| Employees | 29 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 2 | deposits shrinking, assets shrinking |  |
| 2014-03 | 1 |  | assets shrinking |
| 2014-06 | 1 | uninsured deposits leaving | deposits shrinking |
| 2014-09 | 0 |  | uninsured deposits leaving |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | reserve under noncurrent |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 | capital falling | reserve under noncurrent |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 2 | capital falling, reserve under noncurrent |  |
| 2018-03 | 2 | charge-offs p90 | capital falling |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |

## 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
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes
- 2023-10-06 [Jimmy Bell | Bond Distinguished Athletes Award - Clemson University Athletics](https://news.google.com/rss/articles/CBMie0FVX3lxTFBNMnJaSm9scUZSYUZZOEgybUl6YjRjcDFZSzFKeE1ENklyeU1uOWRsdU11dVFPdFJYaEIwQkMyTXBLY1dRd3R4OVR1WWRfOVZweUhhRl9qdlhwSUpyNHpJM3dUNTJ1d1ZjZHlycEdSWjc2cUpTdWVYWF9Mdw?oc=5) · Clemson University Athletics
- 2023-08-24 [Civil Lawsuit Alleges Greeneville Lawyer Mishandled Funds - GreenevilleSun.com](https://news.google.com/rss/articles/CBMi6gFBVV95cUxQdFdKa0dQNEpZT3ctV3JzWTdVcER5WjlJaURVZERSZ096cVM4bDRoVzE5ckVCUnZxTDdoekdXTlAzZkNmRFp5QVg0bmhRY19OWm5VV3BIRjdOUWlVV1JWODIxd3hDWHBtY3VScEZRcTNZdFFHNndqS0dKNm5oSkxfRUFsRF9ZaGI2Qjh6aVowTVd5WW5pbXhnM3FhZTJ5b1IyN1g4VEp4Z3VXZVBhTEdhcDVNalVLVnVucmhDbG9fNS1URmw1WEpyTWYxZTVkeUVVeXVTTVA3Y2p5emhwX2U3anNZM1FCUDVYUVE?oc=5) · GreenevilleSun.com
- 2010-11-22 [McBee robbery suspect arrested - WMBF](https://news.google.com/rss/articles/CBMie0FVX3lxTE1QUXpVRWNHaE9WMlBzemZDeEJQaE1MeEpZVFFubmFYRklvZjVBSU1xSFNoemUtNGFhNFcyQVRPa2wxSUhpSlV0OEVpRUlZcFR1a2tqSlZDb1hBYzJRM2RzRGhIRGNyTldQbDRjamhVa2MxTXFwaE1pN3YxSdIBjgFBVV95cUxOSlVDaENadlFLVDR1YUlYdFNzUWlSeUdGOE5VRlRqaC10QnZvNy01Tmo0M1hEaENkRzltLUhWSWlfdE56MnZmajd0OHN6TXdwTGxOZnNKMUY1dEl1NXREUmxSc0ZtenUySkJkUFM3aVlRSGEyNDdZeVNzX3gwUmd3ZHJpWTJzME5TRE5jdVNR?oc=5) · WMBF
- 2023-03-13 [The collapse of Silicon Valley Bank: What does it mean? - CBC](https://news.google.com/rss/articles/CBMifEFVX3lxTE5hczFoVGFySV9FMFdlRk15bUt0YWYyc0p5aEdqMmU1cjJ5ejJsaEtBZWZzQ1hZdnRzS0dRa3FUZmFNeXRRTDJ2R3lRc1dkMlZHX0d0Vk9zZWtXR05WencydFk0dFdYN0NKbG9HM0s4bE1TbGRzU3JEWHdMb2w?oc=5) · CBC
- 2017-05-18 [Chamber honors Leadership Hartsville Class of 2017 - WBTW](https://news.google.com/rss/articles/CBMigwFBVV95cUxORGVSMHhzUXU0ZDJwTHhrdnRxckNTVTFYTmEzZUV1SXZwQnhtV2JhbjdvaUFrcFBUVWc4eEhPMTluZ1RhNU5xZ3p1aWZQd2JXRlZwSjVDMVh2cmt2TnYwdjQ2MHZRM1dZbGlKTTR6OHdSNTEtV243eTB0RGJDRzJHbFIwc9IBiAFBVV95cUxPREIwcGpBNEF2WWdFRU1jbXdVZW5SOWN3OWxSM0puS2pXYkllS2lzRDh1R0JrN2tGeWp3WVU2MVgtdEJxMnd5X1NQdmlDN3pMNGJlNVRsODZWOFhOeDB3X0kzUUdTVHl5dzhNZ1JDUW5HQTY0d3kxR3VucTRFeTJ5OFg4VmlJYU1Q?oc=5) · WBTW
- 2026-06-12 [Police department releases report on fatal accident Thursday - GreenevilleSun.com](https://news.google.com/rss/articles/CBMi7gFBVV95cUxNdnRtRXRsbzk5ZXRhRjJFQUFnR2tPOFVrZTRyck1WSk1RSFN4YndZdzVmQzFVVWctT3RIY0JLSFN4cDB0YzdFWE9zQVpqekUzNlNhLXBVU3dBQ3BxU0MxNmZZelJaTDVndXZjN3pOdzh2TzZYSmJWdEw3OXRaMWxFX3o5QTR1N1FVSUFibW0yVzhSbEVfWUJGMkFfdWU1TUE5ZDZhZEJMY2cxTlRfVWtvNFBTSVR0NlctRC05WUdNbHhnVzBhNUFCTWhibWtGVk41ckthNkpibE9TMzhLaGhwRnB4UG1DNnhhUDVlUjln?oc=5) · GreenevilleSun.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35076 (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/4.json (key "35076", 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