BlastPoint's Banking Scorecard
Heritage Community Bank
Union, MO
5 branches across MO
Heritage Community Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.20% above tier average
- + Efficiency Ratio 8.88% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 63.3% in tier
- - Loan-to-Deposit Ratio 25.69% above tier average
- - Nonperforming Asset Ratio 1.01% above tier average
- - Delinquency Rate 1.00% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$329.8M
+14.2% YoY
+0.8% QoQ
|
-$56.3M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
51% |
| Total Loans ? |
$287.2M
+11.8% YoY
-0.6% QoQ
|
+$31.4M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
65% |
| Total Deposits ? |
$280.6M
+9.7% YoY
+5.1% QoQ
|
-$47.3M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
51% |
| Return on Assets ? |
1.30%
-16.7% YoY
+16.8% QoQ
|
+0.03% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
56% |
| Net Interest Margin ? |
4.13%
+4.6% YoY
+1.4% QoQ
|
+0.20% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
64% |
| Efficiency Ratio ? |
56.40%
-3.3% YoY
-3.5% QoQ
|
-8.88% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
70% |
| Delinquency Rate ? |
1.89%
+78.9% YoY
-2.2% QoQ
|
+1.00% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 13.7% in tier |
| Loan-to-Deposit Ratio ? |
102.33%
+1.9% YoY
-5.5% QoQ
|
+25.69% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 6.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.15%
-1.4% YoY
-12.2% QoQ
|
-9.87% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
15% |
| Nonperforming Asset Ratio ? |
1.64%
+75.1% YoY
-3.6% QoQ
|
+1.01% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 9.7% in tier |
| Tier 1 Capital Ratio ? |
9.84%
+8.0% YoY
-0.8% QoQ
|
-5.99% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
Bottom 7.8% in tier |
| Non-Interest Income / Assets ? |
0.08%
+27.0% YoY
-66.2% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
39% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.