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HERITAGE COMMUNITY BANK

UNION, MO · Supervised by FDIC

Est. 1935FDIC #15,282RSSD: FDIC-15282HERITAGE MANAGEMENT CO INC
Satisfactory

Current rating · Exam: July 2025

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Institution Profile

FDIC BankFind

Address

100 E Locust St, UNION, MO

County

Franklin County

Established

August 19, 1935

Total Assets

$330M(latest call report)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$330M

Total Deposits

$281M

Net Loans

$287M

Net Income

$1M

ROA

1.30%

ROE

16.02%

Risk-Based Capital

11.09%

Total Assets — Last 8 Quarters

Total AssetsROA

Current Examination

CRA / FFIEC

Overall Rating

Satisfactory

Exam Date

July 1, 2025

Exam Type

Small Bank

Regulator

FDIC

Rating History

CRA / FFIEC

8 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance
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