Heritage Community Bank

Greeneville, TennesseeFDIC Cert #57656

STATEEstablished 20034 branches

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %

0.64%

+52.3%y/y

Peer standing48th percentile

FDICP3ASSET + LNLSGR

90+ %

0.00%

Peer standing100th percentile

FDICP9ASSET + LNLSGR

Nonaccrual %

0.01%

+81.1%y/y

Peer standing75th percentile

FDICNAASSET + LNLSGR

Noncurrent %

0.01%

+81.1%y/y

Peer standing82nd percentile

FDICP9ASSET + NAASSET + LNLSGR

NPA/assets

0.01%

+82.5%y/y

Peer standing82nd percentile

FDICP9ASSET + NAASSET + ORE + ASSET

NPA

$13K

+85.7%y/y

Peer standing83rd percentile

FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate

0.01%

+361.6%y/y

Peer standing33rd percentile

FDICNTLNLS + LNLSGR

NCO

$5K

+400.0%y/y

Peer standing31st percentile

FDICNTLNLS + DRLNLS + CRLNLS

ACL/loans

1.28%

−3.6%y/y

Percentile by value59th percentileby value

FDICLNATRES + LNLSGR

30–89

$962K

+56.2%y/y

Peer standing40th percentile

FDICP3ASSET

90+

Peer standing100th percentile

FDICP9ASSET

Nonaccrual

$13K

+85.7%y/y

Peer standing74th percentile

FDICNAASSET