Heritage Community Bank: how it compares with its peers
Against 79 MO banks with half to twice its assets, Heritage Community Bank's strongest measure in Q2 2026 is assets per employee ($7.1M vs. a $6.4M peer median). Its weakest relative measure is return on assets (1.42% vs. 1.53%).
| Measure | Heritage Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.42% | 1.53% | Middle third Ahead of 44% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.16% | 4.15% | Middle third Ahead of 51% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.77% | 58.19% | Middle third Ahead of 57% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.1M | $6.4M | Top third Ahead of 70% of peers |
| Loans to deposits Net loans and leases over total deposits. | 103.43% | 86.11% | Context |
What it means for lending operations
Its efficiency ratio of 56.77% is better than the 58.19% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Community Bank of Raymore Raymore, MO · $347M
- Farmers and Merchants Bank of St. Clair Saint Clair, MO · $343M
- Exchange Bank Co. Kahoka, MO · $342M
- Midwest Independent BankersBank Jefferson City, MO · $341M
- Ozark Bank Ozark, MO · $341M
- Citizens Bank New Haven, MO · $357M
Questions about Heritage Community Bank
How big is Heritage Community Bank?
Heritage Community Bank, established in 1935, is headquartered in Union, MO. It reported $348M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Heritage Community Bank's return on assets?
1.42% annualized in Q2 2026, against a 1.53% median for 79 MO banks with half to twice its assets, ahead of 44% of them.
What is Heritage Community Bank's efficiency ratio?
56.77% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 58.19%, and lower is better.
Is Heritage Community Bank growing its loans?
Net loans grew 15.4% over the year to Q2 2026, while deposits grew 15.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.