BlastPoint's Banking Scorecard
Heritage Community Bank
Micro
Specialty: Commercial
TN
FDIC cert 57656
Designations: ✓ Community bank
Greeneville, TN
2498
banks in Micro tier nationally
57 in TN
View Micro leaderboard (TN) →
Heritage Community Bank faces 1 concern 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 27.82% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$178.8M
+6.8% YoY
-3.2% QoQ
|
-$38.7M |
$217.5M
+2.3% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
45% |
| Total Loans ? |
$149.5M
+7.8% YoY
+0.8% QoQ
|
+$10.3M |
$139.2M
+2.8% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
60% |
| Total Deposits ? |
$146.1M
+4.8% YoY
-5.8% QoQ
|
-$37.6M |
$183.7M
+1.8% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
44% |
| Return on Assets ? |
0.97%
+59.9% YoY
-4.7% QoQ
|
-0.11% |
1.08%
+14.7% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
44% |
| Net Interest Margin ? |
4.10%
+6.1% YoY
+2.4% QoQ
|
+0.25% |
3.85%
+6.6% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
63% |
| Efficiency Ratio ? |
73.97%
-8.0% YoY
+1.1% QoQ
|
+6.25% |
67.73%
-4.8% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
31% |
| Delinquency Rate ? |
0.15%
+29.7% QoQ
|
-0.49% |
0.64%
+24.4% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
102.34%
+2.8% YoY
+7.1% QoQ
|
+27.82% |
74.53%
+0.5% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.03%
-4.8% YoY
-3.9% QoQ
|
-7.37% |
22.39%
-1.3% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.12%
+35.1% QoQ
|
-0.33% |
0.45%
+25.1% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
64% |
| Tier 1 Capital Ratio ? |
14.15%
-2.8% YoY
-0.9% QoQ
|
+5.29% |
8.85%
-3.4% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.24%
+0.0% YoY
+41.1% QoQ
|
-0.32% |
0.56%
+0.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
31% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
102.34%
(Tier avg: 74.53%, National avg: 78.04%)
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
69
69th pctile
Tier 1 Capital Ratio
Current: 14.15% · Tier avg: 8.85%
67
67th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.64%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
63
63th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.85%
60
60th pctile
Total Loans
Current: $149.5M · Tier avg: $139.2M
45
45th pctile
Total Assets
Current: $178.8M · Tier avg: $217.5M
44
44th pctile
Total Deposits
Current: $146.1M · Tier avg: $183.7M
44
44th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.08%
31
31th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
31
31th pctile
Efficiency Ratio
Current: 73.97% · Tier avg: 67.73%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 15.03% · Tier avg: 22.39%
7
7th pctile
Loan-to-Deposit Ratio
Current: 102.34% · Tier avg: 74.53%
Top Weaknesses
7
7th pctile
Loan-to-Deposit Ratio
Current: 102.34% · Tier avg: 74.53%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 15.03% · Tier avg: 22.39%
31
31th pctile
Efficiency Ratio
Current: 73.97% · Tier avg: 67.73%
31
31th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
44
44th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.08%
44
44th pctile
Total Deposits
Current: $146.1M · Tier avg: $183.7M
45
45th pctile
Total Assets
Current: $178.8M · Tier avg: $217.5M
60
60th pctile
Total Loans
Current: $149.5M · Tier avg: $139.2M
63
63th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.85%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
67
67th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.64%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.15% · Tier avg: 8.85%