$291M
+12.0%y/y
Percentile by value36th percentileby value
FDIC
LNLSGRHC
Heritage Community Bank
Union, MissouriFDIC Cert #15282
STATEEstablished 19355 branches
Holding company: HERITAGE MANAGEMENT CO INCRegulator: 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 | $35.4M |
| Investor CRE | $26.5M |
| Multifamily | $4.39M |
| Construction | $44.8M |
| 1–4 family | $103M |
| C&I | $36.9M |
| Agriculture | $34.1M |
| Other | $5.61M |
Loan book
Reported balances and balance-sheet intensity.
$287M
+11.8%y/y
Percentile by value36th percentileby value
FDIC
LNLSNET+11.81%
+11.9%y/y
Percentile by value79th percentileby value
FDIC
LNLSNET102.3%
+1.9%y/y
Percentile by value93rd percentileby value
FDIC
LNLSNET + DEP87.1%
−2.1%y/y
Percentile by value97th percentileby value
FDIC
LNLSNET + ASSET83.20%
+2.9%y/y
Percentile by value43rd percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
256%
−11.9%y/y
Percentile by value79th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC152%
−8.9%y/y
Percentile by value98th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC1,971points
−0.6%y/y
Peer standing64th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD12.16%
+35.6%y/y
Percentile by value50th percentileby value
FDIC
LNRENROW + LNLSGR9.10%
−7.7%y/y
Percentile by value32nd percentileby value
FDIC
LNRENROT + LNLSGR12.66%
−17.0%y/y
Percentile by value69th percentileby value
FDIC
LNCI + LNLSGR