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BDI
HC

Heritage Community Bank

Union, MissouriFDIC Cert #15282

STATEEstablished 19355 branches

Holding company: HERITAGE MANAGEMENT CO INCRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.48%
−10.8%y/y
Peer standing48th percentile
Peer standing in asset:300m_1b
FDICP3ASSET + LNLSGR
90+ %
0.00%
Peer standing100th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + LNLSGR
Nonaccrual %
1.86%
+78.6%y/y
Peer standing11th percentile
Peer standing in asset:300m_1b
FDICNAASSET + LNLSGR
Noncurrent %
1.86%
+78.6%y/y
Peer standing13th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
1.64%
+75.1%y/y
Peer standing9th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$5.42M
+100.0%y/y
Peer standing19th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.00%
−100.0%y/y
Peer standing73rd percentile
Peer standing in asset:300m_1b
FDICNTLNLS + LNLSGR
NCO
$0
−100.0%y/y
Peer standing73rd percentile
Peer standing in asset:300m_1b
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.38%
+14.1%y/y
Percentile by value70th percentileby value
Peer standing in asset:300m_1b
FDICLNATRES + LNLSGR
30–89
$1.4M
−0.1%y/y
Peer standing53rd percentile
Peer standing in asset:300m_1b
FDICP3ASSET
90+
$0
Peer standing100th percentile
Peer standing in asset:300m_1b
FDICP9ASSET
Nonaccrual
$5.42M
+100.0%y/y
Peer standing15th percentile
Peer standing in asset:300m_1b
FDICNAASSET