$151M
+2.6%y/y
Percentile by value73rd percentileby value
FDIC
LNLSGRHC
Heritage Community Bank
Greeneville, TennesseeFDIC Cert #57656
STATEEstablished 20034 branches
Holding company: Not reportedRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $11.6M |
| Investor CRE | $14.7M |
| Multifamily | $4.42M |
| Construction | $15.1M |
| 1–4 family | $87.6M |
| C&I | $9.72M |
| Agriculture | $3.2M |
| Other | $4.44M |
Loan book
Reported balances and balance-sheet intensity.
$149M
+2.6%y/y
Percentile by value73rd percentileby value
FDIC
LNLSNET+2.60%
−78.2%y/y
Percentile by value35th percentileby value
FDIC
LNLSNET98.1%
+0.7%y/y
Percentile by value91st percentileby value
FDIC
LNLSNET + DEP82.4%
+0.8%y/y
Percentile by value93rd percentileby value
FDIC
LNLSNET + ASSET97.03%
+0.4%y/y
Percentile by value86th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
173%
−7.5%y/y
Percentile by value77th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC76%
+20.0%y/y
Percentile by value89th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC3,728points
+4.8%y/y
Peer standing17th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD7.72%
−8.0%y/y
Percentile by value45th percentileby value
FDIC
LNRENROW + LNLSGR9.73%
−9.7%y/y
Percentile by value59th percentileby value
FDIC
LNRENROT + LNLSGR6.45%
+13.8%y/y
Percentile by value32nd percentileby value
FDIC
LNCI + LNLSGR