Heritage Community Bank: how it compares with its peers
Against 40 TN banks with half to twice its assets, Heritage Community Bank's strongest measure in Q2 2026 is net interest margin (4.14% vs. a 4.00% peer median). Its weakest relative measure is efficiency ratio (72.72% vs. 66.48%).
| Measure | Heritage Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.87% | 0.91% | Middle third Ahead of 45% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.14% | 4.00% | Middle third Ahead of 60% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 72.72% | 66.48% | Bottom third Ahead of 30% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $6.2M | Middle third Ahead of 38% of peers |
| Loans to deposits Net loans and leases over total deposits. | 94.26% | 79.98% | Context |
What it means for lending operations
Its efficiency ratio of 72.72% is above the 66.48% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- UBank Knoxville, TN · $183M
- Citizens Savings Bank and Trust Company Nashville, TN · $188M
- Putnam 1st Mercantile Bank Cookeville, TN · $179M
- Harpeth Bank & Trust Franklin, TN · $198M
- Peoples Bank & Trust Company Manchester, TN · $169M
- Greeneville Federal Bank, FSB Greeneville, TN · $204M
Questions about Heritage Community Bank
How big is Heritage Community Bank?
Heritage Community Bank, established in 2003, is headquartered in Greeneville, TN. It reported $184M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Heritage Community Bank's return on assets?
0.87% annualized in Q2 2026, against a 0.91% median for 40 TN banks with half to twice its assets, ahead of 45% of them.
What is Heritage Community Bank's efficiency ratio?
72.72% in Q2 2026: it spent about 73 cents in noninterest expense for each dollar of revenue. The peer median is 66.48%, and lower is better.
Is Heritage Community Bank growing its loans?
Net loans shrank 2.0% over the year to Q2 2026, while deposits shrank 0.6%.
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 TN 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 Tennessee bank ranked.