🏦Bank Scorer

HERITAGE COMMUNITY BANK

GREENEVILLE, TN · Supervised by FDIC

Est. 2003FDIC #57,656RSSD: FDIC-57656
Satisfactory Same

Current rating · Exam: February 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.72%

Is this bank safe?

HERITAGE COMMUNITY BANK holds a Satisfactory CRA rating (2022), meets basic financial requirements (ROA +0.72%).

Institution Profile

FDIC BankFind

Address

114 W Church St, GREENEVILLE, TN

County

Greene County

Established

December 3, 2003

Total Assets

$181M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2022

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$181M

Total Deposits

$152M

Net Loans

$149M

Net Income

$323K

ROA

0.72%

Above avg for Small banks. Peer avg: 0.44%

ROE

7.14%

Risk-Based Capital

15.68%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.72%Peer avg: 0.44%▲ Above avg
Risk-Based Capital15.68%Peer avg: 23.03%▼ Below avg
Mortgage Denial Rate0.00%Peer avg: 6.90%▼ Fewer than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$153M

1-Year Change

+1

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202419496.91%0.00%
202018696.77%1.61%
201917894.38%2.25%
201817490.23%1.72%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Feb 2022SatisfactorySmall Bank
Feb 2016SatisfactorySmall Bank
Jul 2010SatisfactorySmall Bank

1 previous rating locked — back to 2005

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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