BlastPoint's Banking Scorecard
Heritage Community Bank
Micro
Specialty: Commercial
MO
FDIC cert 15282
Designations: ✓ Community bank
Union, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Heritage Community Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 33.74% above tier
- - Nonperforming Asset Ratio 1.25% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$327.2M
+16.1% YoY
+6.2% QoQ
|
+$109.7M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
77% |
| Total Loans ? |
$288.9M
+14.9% YoY
+5.3% QoQ
|
+$149.8M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Top 9% in tier |
| Total Deposits ? |
$266.9M
+7.2% YoY
+0.4% QoQ
|
+$83.2M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
74% |
| Return on Assets ? |
1.11%
-7.7% YoY
-26.7% QoQ
|
+0.03% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
53% |
| Net Interest Margin ? |
4.07%
+12.9% YoY
-0.0% QoQ
|
+0.22% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
62% |
| Efficiency Ratio ? |
58.43%
-8.0% YoY
+0.6% QoQ
|
-9.30% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
72% |
| Delinquency Rate ? |
1.93%
+331.2% YoY
+76.2% QoQ
|
+1.29% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 13% in tier |
| Loan-to-Deposit Ratio ? |
108.26%
+7.2% YoY
+4.9% QoQ
|
+33.74% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.84%
+8.4% YoY
+5.9% QoQ
|
-8.55% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
20% |
| Nonperforming Asset Ratio ? |
1.70%
+327.0% YoY
+74.8% QoQ
|
+1.25% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 10% in tier |
| Tier 1 Capital Ratio ? |
9.91%
+6.9% YoY
+7.3% QoQ
|
+1.06% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.24%
-15.3% YoY
+29.5% QoQ
|
-0.32% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
30% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
108.26%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Bottom 10%
in Micro
Why this stands out
Current:
1.70%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Total Loans
Current: $288.9M · Tier avg: $139.2M
77
77th pctile
Total Assets
Current: $327.2M · Tier avg: $217.5M
74
74th pctile
Total Deposits
Current: $266.9M · Tier avg: $183.7M
72
72th pctile
Efficiency Ratio
Current: 58.43% · Tier avg: 67.73%
62
62th pctile
Net Interest Margin
Current: 4.07% · Tier avg: 3.85%
53
53th pctile
Return on Assets
Current: 1.11% · Tier avg: 1.08%
52
52th pctile
Tier 1 Capital Ratio
Current: 9.91% · Tier avg: 8.85%
30
30th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.84% · Tier avg: 22.39%
13
13th pctile
Delinquency Rate
Current: 1.93% · Tier avg: 0.64%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.70% · Tier avg: 0.45%
4
4th pctile
Loan-to-Deposit Ratio
Current: 108.26% · Tier avg: 74.53%
Top Weaknesses
4
4th pctile
Loan-to-Deposit Ratio
Current: 108.26% · Tier avg: 74.53%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.70% · Tier avg: 0.45%
13
13th pctile
Delinquency Rate
Current: 1.93% · Tier avg: 0.64%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.84% · Tier avg: 22.39%
30
30th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
52
52th pctile
Tier 1 Capital Ratio
Current: 9.91% · Tier avg: 8.85%
53
53th pctile
Return on Assets
Current: 1.11% · Tier avg: 1.08%
62
62th pctile
Net Interest Margin
Current: 4.07% · Tier avg: 3.85%
72
72th pctile
Efficiency Ratio
Current: 58.43% · Tier avg: 67.73%
74
74th pctile
Total Deposits
Current: $266.9M · Tier avg: $183.7M
77
77th pctile
Total Assets
Current: $327.2M · Tier avg: $217.5M
91
91th pctile
Total Loans
Current: $288.9M · Tier avg: $139.2M