BlastPoint's Banking Scorecard
Heritage Community Bank
Greeneville, TN
3 branches across TN
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 72 in TN.
- Deposits -0.6% year over year ($152.1M on the books).
- Delinquency rate 0.03%.
- Return on assets 0.87%.
- Efficiency ratio 72.72% vs a 64.48% peer average.
- Loan-to-deposit ratio 94.26% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Heritage Community Bank has 2 strengths but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 11.1% in tier
- + Net Interest Margin 0.15% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 4.5% in tier
- - Liquidity Strain: Bottom 6.5% in tier
- - Margin Compression: Bottom 15.6% in tier
- - Deposit Outflow: Bottom 21.9% in tier
- - Flatlined Growth: Bottom 39.1% in tier
- - NIB Deposit Bleed: Bottom 44.4% in tier
- - Efficiency Ratio 8.24% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$184.4M
+1.3% YoY
+2.0% QoQ
|
-$202.2M |
$386.6M
+1.2% YoY
|
$2.9B
+37.8% YoY
|
$6.3B
+7.7% YoY
|
22% |
| Total Loans ? |
$143.3M
-2.0% YoY
-3.7% QoQ
|
-$115.0M |
$258.3M
+1.7% YoY
|
$2.1B
+37.6% YoY
|
$3.2B
+9.4% YoY
|
33% |
| Total Deposits ? |
$152.1M
-0.6% YoY
+0.2% QoQ
|
-$174.7M |
$326.7M
+0.7% YoY
|
$2.4B
+35.4% YoY
|
$4.9B
+7.3% YoY
|
22% |
| Return on Assets ? |
0.87%
-17.7% YoY
+20.6% QoQ
|
-0.46% |
1.32%
+10.8% YoY
|
1.13%
+12.0% YoY
|
1.30%
+12.1% YoY
|
27% |
| Net Interest Margin ? |
4.14%
+5.7% YoY
+3.8% QoQ
|
+0.15% |
3.99%
+5.0% YoY
|
3.99%
+5.6% YoY
|
3.95%
+4.9% YoY
|
61% |
| Efficiency Ratio ? |
72.72%
-4.3% YoY
-5.7% QoQ
|
+8.24% |
64.48%
-3.2% YoY
|
65.40%
-4.8% YoY
|
70.05%
+2.5% YoY
|
24% |
| Delinquency Rate ? |
0.03%
+655.1% YoY
+195.7% QoQ
|
-0.89% |
0.92%
+15.7% YoY
|
0.70%
+6.5% YoY
|
0.98%
+16.3% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
94.26%
-1.4% YoY
-4.0% QoQ
|
+16.31% |
77.95%
+1.0% YoY
|
81.19%
+2.5% YoY
|
79.03%
+2.3% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
12.90%
-18.4% YoY
-3.9% QoQ
|
-9.13% |
22.03%
-0.6% YoY
|
18.80%
-1.8% YoY
|
21.98%
-0.6% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.02%
+630.3% YoY
+179.1% QoQ
|
-0.65% |
0.67%
+16.4% YoY
|
0.58%
+9.8% YoY
|
0.69%
+15.8% YoY
|
84% |
| Tier 1 Capital Ratio ? |
15.10%
+4.7% YoY
+4.7% QoQ
|
-0.80% |
15.91%
+1.4% YoY
|
14.06%
-1.8% YoY
|
17.09%
+0.8% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.11%
-4.2% YoY
+82.5% QoQ
|
-0.46% |
0.57%
+7.6% YoY
|
0.34%
-6.5% YoY
|
0.66%
+5.2% YoY
|
21% |
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 (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
12.9%
-2.9pp YoY -0.5pp QoQ |
-9.2pp | 22.1% | 18.8% | 22.2% | 17% |
| Brokered Deposits |
7.5%
+2.0pp YoY -2.2pp QoQ |
-0.3pp | 7.9% | 9.4% | 8.5% | 66% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.6%
+1.2pp YoY +0.1pp QoQ |
-5.0pp | 11.6% | 10.9% | 12.5% | 30% |
| CRE |
31.5%
+1.9pp YoY +0.8pp QoQ |
-8.0pp | 39.5% | 42.4% | 41.4% | 37% |
| 1-4 Family |
57.9%
-2.4pp YoY -1.0pp QoQ |
+25.2pp | 32.6% | 39.8% | 31.3% | 88% |
| Consumer |
3.0%
-0.7pp YoY +0.1pp QoQ |
-1.1pp | 4.1% | 4.5% | 5.0% | 60% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.1%
+0.7pp YoY +0.7pp QoQ |
-3.7pp | 18.8% | 14.8% | 19.7% | 50% |
| Leverage Ratio |
10.3%
+0.7pp YoY +0.2pp QoQ |
-1.9pp | 12.2% | 11.4% | 12.6% | 38% |
| Total Capital Ratio |
16.4%
+0.7pp YoY +0.7pp QoQ |
-3.6pp | 19.9% | 15.9% | 20.8% | 51% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
32
-7 (-17.9%) YoY -1 (-3.0%) QoQ |
-27 | 58 | 270 | 482 | 30% |
| Assets per Employee ($) |
$5.8M
+23.5% YoY +5.2% QoQ |
-$1.8M | $7.5M | $7.1M | $8.8M | 28% |
| Branch Count |
3
-1 (-25.0%) YoY 0 QoQ |
-2 | 4 | 17 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.3pp | 0.3% | 0.2% | 0.4% | 29% |
| Nonaccrual | n/a | n/a | 0.9% | 0.7% | 1.0% | n/a |
| Allowance Coverage |
51.51x
-86.8% YoY -65.3% QoQ |
+27.36x | 24.15x | 28.97x | 20.23x | 94% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 54% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.6%
-2.4pp YoY +1.5pp QoQ |
-3.6pp | 12.2% | 10.9% | 11.6% | 29% |
| Cost of Funds (YTD) |
2.3%
-0.1pp YoY 0.0pp QoQ |
+0.6pp | 1.7% | 2.0% | 1.7% | 84% |
| Net Income ($, YTD) |
$786,000
-15.0% YoY — QoQ |
-$1.8M | $2.6M | $16.7M | $40.4M | 19% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (6)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
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.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.