BlastPoint's Banking Scorecard
Heritage Community Bank
Union, MO
5 branches across MO
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
- Deposits +15.4% year over year ($296.6M on the books).
- Delinquency rate 0.60%.
- Return on assets 1.42%.
- Efficiency ratio 56.77% vs a 64.48% peer average.
- Loan-to-deposit ratio 103.43% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Heritage Community Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.10% above tier average
- + Net Interest Margin 0.17% above tier average
- + Efficiency Ratio 7.71% below tier average
- + Delinquency Rate 0.32% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 25.48% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$347.8M
+16.0% YoY
+5.5% QoQ
|
-$38.8M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
54% |
| Total Loans ? |
$306.8M
+15.4% YoY
+6.8% QoQ
|
+$48.4M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
68% |
| Total Deposits ? |
$296.6M
+15.4% YoY
+5.7% QoQ
|
-$30.1M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
54% |
| Return on Assets ? |
1.42%
-10.0% YoY
+9.4% QoQ
|
+0.10% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
61% |
| Net Interest Margin ? |
4.16%
+3.4% YoY
+0.8% QoQ
|
+0.17% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
63% |
| Efficiency Ratio ? |
56.77%
-0.9% YoY
+0.7% QoQ
|
-7.71% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
67% |
| Delinquency Rate ? |
0.60%
-41.6% YoY
-68.4% QoQ
|
-0.32% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
103.43%
-0.0% YoY
+1.1% QoQ
|
+25.48% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
Bottom 6.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.31%
+2.3% YoY
+1.3% QoQ
|
-9.72% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
15% |
| Nonperforming Asset Ratio ? |
1.68%
+78.4% YoY
+2.5% QoQ
|
+1.01% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 10.1% in tier |
| Tier 1 Capital Ratio ? |
9.39%
+3.9% YoY
-4.5% QoQ
|
-6.52% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 4.0% in tier |
| Non-Interest Income / Assets ? |
0.14%
+9.1% YoY
+77.6% QoQ
|
-0.42% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
33% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
12.3%
+0.3pp YoY +0.2pp QoQ |
-9.8pp | 22.1% | 20.9% | 22.2% | 15% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
13.7%
-1.7pp YoY +0.9pp QoQ |
+2.2pp | 11.6% | 12.3% | 12.5% | 71% |
| CRE |
37.3%
+0.4pp YoY -1.4pp QoQ |
-2.2pp | 39.5% | 36.8% | 41.4% | 48% |
| 1-4 Family |
36.1%
+0.9pp YoY 0.0pp QoQ |
+3.4pp | 32.6% | 31.9% | 31.3% | 64% |
| Consumer |
1.9%
-0.2pp YoY 0.0pp QoQ |
-2.2pp | 4.1% | 4.1% | 5.0% | 47% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
9.4%
+0.4pp YoY -0.4pp QoQ |
-9.4pp | 18.8% | 18.5% | 19.7% | 0% |
| Leverage Ratio |
8.3%
+0.5pp YoY +0.2pp QoQ |
-3.9pp | 12.2% | 11.6% | 12.6% | 4% |
| Total Capital Ratio |
10.6%
+0.4pp YoY -0.4pp QoQ |
-9.3pp | 19.9% | 19.6% | 20.8% | 1% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
49
+4 (+8.9%) YoY 0 QoQ |
-10 | 58 | 162 | 482 | 52% |
| Assets per Employee ($) |
$7.1M
+6.5% YoY +5.5% QoQ |
-$421K | $7.5M | $8.0M | $8.8M | 54% |
| Branch Count |
5
+1 (+25.0%) YoY 0 QoQ |
0 | 4 | 10 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.6%
-0.4pp YoY -1.3pp QoQ |
-0.3pp | 0.9% | 0.8% | 1.0% | 57% |
| Allowance Coverage |
2.17x
+81.4% YoY +193.8% QoQ |
-21.98x | 24.15x | 10.47x | 20.23x | 50% |
| Net Charge-off Rate (YTD) |
0.2%
+0.2pp YoY |
0.0pp | 0.1% | 0.3% | 0.2% | 83% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.6%
-3.2pp YoY +1.6pp QoQ |
+5.4pp | 12.2% | 14.3% | 11.6% | 80% |
| Cost of Funds (YTD) |
2.9%
-0.2pp YoY 0.0pp QoQ |
+1.2pp | 1.7% | 1.8% | 1.7% | 97% |
| Net Income ($, YTD) |
$2.4M
+3.9% YoY — QoQ |
-$176K | $2.6M | $11.3M | $40.4M | 60% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.