# HERITAGE COMMUNITY BANK
RANDOLPH, NJ · FDIC certificate 58213 · asset band <$300M · latest filing 2013-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $134.5M | |
| Deposits | $124.3M | |
| Loans and leases | $112.2M | |
| Total equity | $9.7M | |
| Loans / deposits | 87.89% (p83 of band) | 69.26% |
| Liquid assets / assets | 15.81% (p10 of band) | |
| Uninsured deposits / deposits | 8.90% (p33 of band) | 12.49% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.12% (p5 of band) | 10.29% |
| Unrealized securities loss / equity | 0.06% (p73 of band) | -1.01% |
| AOCI / equity | -1.61% (p65 of band) | |
| ROA (annualized) | 0.12% (p13 of band) | 0.76% |
| Net interest margin | 4.28% (p82 of band) | 3.63% |
| Efficiency ratio | 81.13% (p65 of band) | |
| Noncurrent loans | 3.24% (p84 of band) | 0.94% |
| Net charge-offs (annualized) | 1.05% (p96 of band) | |
| Reserve coverage of noncurrent | 80.01% | |
| Real estate % of loans | 61% | |
| Construction % of loans | 1.02% (p17 of band) | |
| Auto loans | $178,000 (0.16% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.9% | |
| Employees | 26 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | charge-offs p90 |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 1 |  | charge-offs p90, capital falling |
| 2012-03 | 2 | charge-offs p90 |  |
| 2012-06 | 3 | losing money |  |
| 2012-09 | 4 | capital falling |  |
| 2012-12 | 7 | leverage <7%, deposits shrinking, assets shrinking |  |
| 2013-03 | 3 |  | charge-offs p90, losing money, capital falling, deposits shrinking |
| 2013-06 | 5 | losing money, charge-offs p90 |  |
| 2013-09 | 4 |  | losing money |
| 2013-12 | 4 | deposits shrinking | leverage <7% |

## 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
- 2017-01-11 ['Guaranty' Mix-Up Shows Perils of Generic Names - American Banker](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOZDJnZk02MUtnYXo2YVFsXzFoMWdYeUp2Q0lIeDlJM0MtYVBkVnRBMkgtRV94dTFmeERrT2JsTHNmY2EzaFZnVjJBdmNXQVVlaWxMSjJ3RVVaa0JMMm5fcGhZV3RxUVFXVGYxV2JsSXFOSFozVTRuYzg0MVczQVduNzN2NDloOVRN?oc=5) · American Banker
- 2013-10-10 [Lakeland Bank appoints new officers - www.advertisernewssouth.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxNQWRuclJQb0hqRnMzTHRVdXB2bHJ5d2p6ZTdNLW9zdnB6Znk2OXJmV1BfekdxMUxtOXZRTG5FNFNOR1I0ck03SFlMLTJUQW1JdURjYnFyRm5NRTltQTdqa1VsQ3dYeUtadFFMckZBaDNseGc5bzJFc2tmdHIzR28tQklSaUo2VEZrVGd3YmtGcWU4R0tSSlNMY2dTTkRPOVIxYUpsQTJsLVlUYll1WlE?oc=5) · www.advertisernewssouth.com
- 2019-08-02 [Man Charged In Bank Vandalism - greenevillesun.com](https://news.google.com/rss/articles/CBMixAFBVV95cUxOalF4UkJjTnR1WXF6RzNQZHk2V2FoTGJTY0ZrN0JUYk9mS05FaWxZMFpRMUdlVkVRNFE4OVBuLXhlVV8tTUY4RXl3NGFIWDZUZ2c4N0ZidTRuNXB2ZDJPVC1sTkZkZk1hQWg2WWRZZm9vZlF2M19QMXNjN2w2cjQtaHlGbVhvOHE3Q0xZLUNtSC1zX19SaEJHQ0Vha1BqWmJaeHpwS0JrSnZBTDBVcHQ2bWdOeXVjcFNBd0pjc09TaG95SUdT?oc=5) · greenevillesun.com
- 2022-04-06 [Edward George Poolas Obituary - Morris County NJ News | Daily Record](https://news.google.com/rss/articles/CBMiXEFVX3lxTE00QjhGOWFLUVV4YTV1bUhhZUhBQVRwcko4Rlg2TjVOZkZia3daSmRXYlk4NW5WOUEwRE9wdnhIakFCY3FBSHEzSzBWdEJPbkJpUVp5WFdmWno0Sk1t?oc=5) · Morris County NJ News | Daily Record
- 2022-12-14 [First Bank makes deal to acquire 145-year-old Malvern Bancorp for $149M - The Business Journals](https://news.google.com/rss/articles/CBMisAFBVV95cUxPYnA1QmVKTGpyc1g3S3VXSmMwQkNtd3hjWlpJNk9OS3hsM3FNQnRpNm5LaktLbjJLQkpCYmdkMjNqa0VDQm45SjRUc0VvMVlTNm9IZUJfbVN3ZTB6aVR5cXJPNWVGb2pyZFZkNzQ1VXhsRGZyN1VOSmpUSWY3ZVlnM0M0eE42UjhLWktYMmU4S0lGX2w0QUJWU3BsQ08wRHdzOWpqLUk0VXJMT1JWTWJfeA?oc=5) · The Business Journals
- 2021-10-07 [MICHAEL BABYAK Obituary (2015) - 78, Randolph Township, NJ - obits.nj.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOZ3VPenRiTmJici14VkNEZTdmZVZwRktKMWtnaDRLUUNZUXJLblRhdm4zenNvMUdPellmRnBFZWZwZlZyMzdlQ2dYU1haclREVUhYamNqcEUzT2dqQ09xbDNKSWpVaFBveEVjVGJ4eUpCaThfZl9hWmZWYUtWeVZnQmczZk14Q3prSUFhNjdlTQ?oc=5) · obits.nj.com
- 2015-09-06 [Michael Babyak Obituary (2015) - 78, Randolph Township, NJ - The Daily Record - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxORjQ3dFNlUDE2cm5RM2JNejFpeVExcVFCMThVMWVfMV9pdC1uUGxKbUdDYUJFNmtkT0dwLU14QVc1RWR3TVZHQ2tRWnhNc1dMM1hxNG5iWjJscFZGWTZfczdKWEJXZVM5TWN1amRDbUN2N25LaVJJWXZ4UHZZcGQtR0RWVWZ4WDdjY19PU01oWFdwcG8?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58213 (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/37.json (key "58213", 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