BlastPoint's Banking Scorecard
Heritage Community Bank
Greeneville, TN
4 branches across TN · VA
Heritage Community Bank has 2 strengths but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 23.0% in tier
- + Net Interest Margin 0.05% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 0.8% in tier
- - Credit Risk Growth: Bottom 2.6% in tier
- - Liquidity Strain: Bottom 32.8% in tier
- - Flatlined Growth: Bottom 35.3% in tier
- - ROA 0.55% below tier average
- - Efficiency Ratio 11.86% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$180.8M
+1.8% YoY
+1.1% QoQ
|
-$205.3M |
$386.1M
+0.5% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
22% |
| Total Loans ? |
$148.9M
+2.6% YoY
-0.4% QoQ
|
-$106.8M |
$255.7M
+1.1% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
36% |
| Total Deposits ? |
$151.7M
+1.9% YoY
+3.9% QoQ
|
-$176.2M |
$328.0M
+0.1% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
22% |
| Return on Assets ? |
0.72%
-45.4% YoY
-26.1% QoQ
|
-0.55% |
1.27%
+12.9% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
22% |
| Net Interest Margin ? |
3.98%
+2.6% YoY
-2.9% QoQ
|
+0.05% |
3.93%
+6.0% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
56% |
| Efficiency Ratio ? |
77.14%
-0.9% YoY
+4.3% QoQ
|
+11.86% |
65.29%
-4.5% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
19% |
| Delinquency Rate ? |
0.01%
+81.0% YoY
-94.1% QoQ
|
-0.88% |
0.89%
+18.8% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
Top 13.7% in tier |
| Loan-to-Deposit Ratio ? |
98.14%
+0.7% YoY
-4.1% QoQ
|
+21.50% |
76.64%
+0.8% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
Bottom 10.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.43%
-6.6% YoY
-10.6% QoQ
|
-8.59% |
22.02%
-1.0% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.01%
+82.5% YoY
-94.2% QoQ
|
-0.63% |
0.64%
+19.7% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
Top 13.2% in tier |
| Tier 1 Capital Ratio ? |
14.43%
-0.2% YoY
+2.0% QoQ
|
-1.40% |
15.83%
+1.5% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.06%
-0.8% YoY
-75.6% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
25% |
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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 (4)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.