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Heritage Community Bank
Greeneville, TN · FDIC Certificate #57656 · Chartered 12/0
Total assets
$184.40M
Total deposits
$152.07M
Total equity
$18.62M
Net loans
$143.34M
Branches (offices)
3
Net income (YTD)
$786.00K
Rank: #3,085 of 4,213 U.S. banks by assets · #93 of 109 in Tennessee. Assets changed 1.3% and deposits -0.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.87% |
| Return on equity | 8.61% |
| Net interest margin (YTD) | 4.14% |
| Equity to assets | 10.10% |
| Tier 1 leverage ratio | 10.31% |
| Uninsured deposits (share of deposits) | 15.4% |
| Noncurrent loans (share of loans) | 0.03% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 94.3% |
| Real estate loans (share of loans) | 91.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $131.14M | 91.5% | |
| Commercial & industrial | $9.46M | 6.6% | |
| Consumer / individual | $4.36M | 3.0% | |
| Construction & development | $17.94M | 12.5% | |
| Agricultural | $291.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $140.41M | $121.32M | $642.00K | $13.77M |
| Jun 2023 | $156.21M | $129.64M | $567.00K | $14.89M |
| Jun 2024 | $166.16M | $138.60M | $591.00K | $15.86M |
| Jun 2025 | $181.97M | $152.96M | $925.00K | $17.22M |
| Jun 2026 | $184.40M | $152.07M | $786.00K | $18.62M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $152.07M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $152.07M.
Similar-sized banks
Mission Bank ($185.10M) · First State Bank ($184.01M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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