# HERITAGE COMMUNITY BANK
GREENEVILLE, TN · FDIC certificate 57656 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $184.4M | |
| Deposits | $152.1M | |
| Loans and leases | $145.2M | |
| Total equity | $18.6M | |
| Loans / deposits | 94.26% (p86 of band) | 73.59% |
| Liquid assets / assets | 17.02% (p15 of band) | |
| Uninsured deposits / deposits | 15.38% (p33 of band) | 19.81% |
| Brokered deposits | 6.21% | |
| Wholesale funding | 11.63% (p87 of band) | |
| FHLB advances / assets | 5.42% | |
| Tier 1 leverage | 10.31% (p29 of band) | 11.76% |
| Unrealized securities loss / equity | -0.08% (p90 of band) | -6.57% |
| AOCI / equity | -0.01% (p70 of band) | |
| ROA (annualized) | 0.87% (p33 of band) | 1.17% |
| Net interest margin | 4.14% (p61 of band) | 3.93% |
| Efficiency ratio | 72.72% (p66 of band) | |
| Noncurrent loans | 0.03% (p27 of band) | 0.36% |
| Net charge-offs (annualized) | 0.02% (p70 of band) | |
| Reserve coverage of noncurrent | 5151.35% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 96.37% (p94 of band) | |
| Auto loans | $1.1M (0.77% of loans; DQ 1.98%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.6% | |
| Employees | 32 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 | losing money |  |
| 2011-09 | 4 | capital falling, charge-offs p90 | noncurrent p90, construction >100% equity |
| 2011-12 | 6 | leverage <7%, construction >100% equity |  |
| 2012-03 | 4 | assets shrinking | losing money, capital falling, charge-offs p90 |
| 2012-06 | 6 | losing money, expense ratio p90, deposits shrinking | construction >100% equity |
| 2012-09 | 7 | capital falling, construction >100% equity | deposits shrinking |
| 2012-12 | 4 |  | reserve under noncurrent, capital falling, construction >100% equity |
| 2013-03 | 7 | reserve under noncurrent, construction >100% equity, deposits shrinking |  |
| 2013-06 | 9 | noncurrent p90, uninsured deposits leaving |  |
| 2013-09 | 7 |  | construction >100% equity, uninsured deposits leaving |
| 2013-12 | 7 |  |  |
| 2014-03 | 5 | charge-offs p90 | assets shrinking, losing money, expense ratio p90 |
| 2014-06 | 4 | expense ratio p90 | deposits shrinking, charge-offs p90 |
| 2014-09 | 5 | losing money, charge-offs p90 | noncurrent p90 |
| 2014-12 | 5 | capital falling | reserve under noncurrent |
| 2015-03 | 2 | assets shrinking | expense ratio p90, losing money, charge-offs p90, capital falling |
| 2015-06 | 1 |  | assets shrinking |
| 2015-09 | 1 | assets shrinking | leverage <7% |
| 2015-12 | 0 |  | assets shrinking |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | deposits shrinking |  |
| 2016-09 | 0 |  | deposits shrinking |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 2 | uninsured deposits leaving |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 1 |  | uninsured deposits leaving |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | capital falling |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 0 |  | capital falling |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | capital falling |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | loans exceed deposits |  |
| 2026-03 | 0 |  | loans exceed deposits |
| 2026-06 | 0 |  |  |

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

- 2026-03-03 [Justin Burns Promoted To President Of Heritage Community Bank - GreenevilleSun.com](https://news.google.com/rss/articles/CBMigAJBVV95cUxOS3haMTNOeGxIdnVpaTNaWVUzOGt3aldEcUpFYVRQanRzUmtWd3dYYXZGZlBTSEZHZVM5NzA3MENBS2NRYmFfQmQyUTZaczZGZlFWcEtoczlYOUp3TlFoc3pLMFQ4UDk3NEYyOXpYcUhJczNCLVBOV3hHUGk1bF9TM1V2UW1CeXpWUUZxU1ZvY2s0VEZSQ0xYM1VJbFNvWjRZQWIxdG1lcGNxZFhjeGNnaWFxWi1FYkozUUFIOU9GYmpsZWdqRGZuOHNVWm9kcG5qRUxzbkNzcjJ5N1l4OTBtTE02WTduLW0zNzY0Y3h2MWNOU0IwdmpweUFMTlpJWjJn?oc=5) · GreenevilleSun.com
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-11-11 [Katlin Burger Obituary (2025) - Greeneville, TN - Jeffers Funeral Chapel - Afton - Legacy obituary](https://news.google.com/rss/articles/CBMiggFBVV95cUxOc0J6WWtsd21UNUFFbHFTSlpOTnpORnpWb19yU3FuZFhOQlJidzdULU5WWEhid3B6Wk1zSDJ6OWwzYVF4QV9VZGlxeUZfb3dwQnQxY3FlaFEzanRIbHZ3cXcxaXV3d0lqSkhWS0dTVzU3RG9BMlR6ZHdWOHVjUlplVnBR?oc=5) · Legacy obituary
- 2024-05-01 [Heritage Community Bank Launches Investments Division - GreenevilleSun.com](https://news.google.com/rss/articles/CBMi9gFBVV95cUxNSjhFaGZwTHRrWGpSLUhIejF0UWx6ZEdJQTBQck5NYndsbWx5ZGk1ZDlLZ2Q2S0h6VnJldGx6Y2JsS0JMN19nWVZlSEtzTjNWRHBvZVoxeFRhdVg3UnRWOG1DcGktOWx3VFRUSWpJZ2NZRHNJbEJGdlNYdXRRWVRTX3RjeTlSbHdaeU9wR05PYlVTTlNpWFBqckpRSjJvakZDQ1NwajBrc21ibF96dEtpd1BQTWd2ZHFMRXFLWFhnNTlmQkpvbkdMZklxd0NIV1lTRzZhS3I5THR6anZYRUFDU0ktXzNGTTIwYnk0TnNwUU9TUEFER0E?oc=5) · GreenevilleSun.com
- 2023-09-07 [Civil lawsuit claims Greeneville attorney mishandled funds - Johnson City Press](https://news.google.com/rss/articles/CBMioAFBVV95cUxONTNYNzlwZEJmTkFITV91Y1JPOGFmZVpNeDhoX2NfWW53M2YtalRYTkdDZ09UX0N4WUlzRG5aTFo5clF3TjZwbjVjbTRTOTVpQWFrZlFqNFh2N0I1T3I4TmprQnBkam1vMF9YZ0k3enhGbF8wU0NieTFyUzFXY2RlOFk4RzJmS3VDNlNzNHNndmp2UjNVbWRiX1BCNGtTUG9P?oc=5) · Johnson City Press
- 2024-10-03 [Lawsuit alleges attorney Crystal Jessee mishandled funds - The Rogersville Review](https://news.google.com/rss/articles/CBMilgFBVV95cUxQQmFOSGQ4TGQzMV94OGdrVUV4WldlOWFGYnpodzdReC1nOGZzbEZ0ZTB6VzVOWHNVLXl2OGVwQ1ZISVAwcXVMN2dqLWxINHhMREpleTF3TmJsdFdZV0Ita2dfRjJxVUxaeFFtRUhtLUktaHNSTVdZNnhWNFNBRzhrLTAxTEg3R09lNGRwWVZVODZ2TlByakE?oc=5) · The Rogersville Review
- 2025-08-28 [John Beatty Caywood, 82 - amnews.com](https://news.google.com/rss/articles/CBMiY0FVX3lxTE9TenNEQ1kwM0h1REtNcHRrVFl1WEpuRk5MTnBTTGlZOF9zaHY1YjEyYzRJdW82cnpkckpmYlFQczgwUmtMREhxME52NDRNWXBfOUM5dHhTU0ZPYTE4ZjFrNnRyYw?oc=5) · amnews.com
- 2019-09-05 [Heritage Community Bank Announces Promotions, New Hire - GreenevilleSun.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxOOWlRQjMwUFBON3MwRnE0OVR3SF8tSVlvdFFuRDBMeWQ5N0NydW9ZNXBEQ1p4ZnNiU2xLeGRUUnFSM2N2Q0h4QjJYclNIUjhhSEdsU2ZldzFvbVVZT3lJZ3B3Rml3LVBlSDBOSDQ1MVJaZFBwc1pDVmhPLVQ0WjJrUXdNTFc3SEFBTl9hMUpBZGRNanN1eDdjT1I2RXJFbzZaWkZyRFNRa21odjJsUEJJZEd4QVM3bkVGN3NIYklzTE5CRF9RUE1XUGd0ZG1DbW8?oc=5) · GreenevilleSun.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57656 (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/56.json (key "57656", 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.

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