Heritage Community Bank is a state-chartered bank headquartered in Greeneville, Tennessee, in business for about 23 years. At the end of Q2 2026 it reported $184.4M in total assets and $152.1M in deposits, with 3 offices.
Heritage Community Bank has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 47% of its 2,650 banks with $100 million – $1 billion. Among 109 banks headquartered in Tennessee, it ranks 55th. Problem-loan coverage contributes the most (100/100, 0.2%); capital cushion contributes the least (53/100, 10.31%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (71 → 71).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 68 |
| Q4 2024 | 67 |
| Q1 2025 | 73 |
| Q2 2025 | 71 |
| Q3 2025 | 70 |
| Q4 2025 | 69 |
| Q1 2026 | 69 |
| Q2 2026 | 71 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.74% |
| Q3 2024 | 9.73% |
| Q4 2024 | 9.73% |
| Q1 2025 | 9.89% |
| Q2 2025 | 9.61% |
| Q3 2025 | 9.73% |
| Q4 2025 | 9.92% |
| Q1 2026 | 10.11% |
| Q2 2026 | 10.31% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.01% |
| Q3 2024 | 0.05% |
| Q4 2024 | 0.01% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.11% |
| Q4 2025 | 0.15% |
| Q1 2026 | 0.01% |
| Q2 2026 | 0.03% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.73% |
| Q3 2024 | 0.71% |
| Q4 2024 | 0.61% |
| Q1 2025 | 1.32% |
| Q2 2025 | 1.05% |
| Q3 2025 | 1.02% |
| Q4 2025 | 0.97% |
| Q1 2026 | 0.72% |
| Q2 2026 | 0.87% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $184.4M | 10.31% | 0.03% | 0.87% | 94.3% |
| Q1 2026 | 69 | $180.8M | 10.11% | 0.01% | 0.72% | 98.1% |
| Q4 2025 | 69 | $178.8M | 9.92% | 0.15% | 0.97% | 102.3% |
| Q3 2025 | 70 | $184.8M | 9.73% | 0.11% | 1.02% | 95.6% |
| Q2 2025 | 71 | $182.0M | 9.61% | 0.00% | 1.05% | 95.6% |
| Q1 2025 | 73 | $177.7M | 9.89% | 0.00% | 1.32% | 97.4% |
| Q4 2024 | 67 | $167.4M | 9.73% | 0.01% | 0.61% | 99.5% |
| Q3 2024 | 68 | $167.1M | 9.73% | 0.05% | 0.71% | 96.9% |
| Q2 2024 | 69 | $166.2M | 9.74% | 0.01% | 0.73% | 96.0% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| UBankBank Knoxville, TN | 73 out of 100, Strong | $182.8M | 13.1% | 0.68% | vs |
| Citizens Savings Bank and Trust CompanyBank Nashville, TN | 32 out of 100, Low | $188.1M | 9.6% | 2.72% | vs |
| Putnam 1st Mercantile BankBank Cookeville, TN | 82 out of 100, Strong | $178.9M | 11.7% | 0.13% | vs |
| Lineage BankBank Franklin, TN | 67 out of 100, Moderate | $197.7M | 15.2% | 1.18% | vs |
| Peoples Bank & Trust CompanyBank Manchester, TN | 93 out of 100, Very strong | $168.6M | 14.7% | 0.02% | vs |
| Greeneville Federal Bank, FSBBank Greeneville, TN | 68 out of 100, Moderate | $203.9M | 15.6% | 2.06% | vs |
Deposit insurance
Is my money safe at Heritage Community Bank?
Yes. Heritage Community Bank is an FDIC-insured institution (FDIC certificate #57656). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 15.4% of deposits ($23.4M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.31%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.36% (benchmark: 10%).
3 locations
Branches
Heritage Community Bank lists 3 offices in 1 city. Most locations:
- Greeneville, TN (3)
Identity & history
Profile
- Legal name
- Heritage Community Bank
- Type
- State-chartered bank
- FDIC certificate #
- 57656
- RSSD ID
- 3224478
- Primary regulator
- FDIC
- Established
- December 3, 2003
- Headquarters
- 114 W Church St, Greeneville, TN 37745
- Website
- www.hcbonline.us
- Employees
- 32
Quick answers
Heritage Community Bank: common questions
Is Heritage Community Bank FDIC insured?
Yes. Heritage Community Bank is an FDIC-insured institution (FDIC certificate #57656). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Heritage Community Bank's TellerScore?
71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Heritage Community Bank ever failed?
There is no failure record for FDIC certificate #57656 in the FDIC failed bank list.
How many branches does Heritage Community Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Greeneville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Kingsport Press Credit UnionCredit union Kingsport, TN | 92 out of 100, Very strong | $95.6M | 16.4% | 0.40% | vs |
| Eastman Credit UnionCredit union Kingsport, TN | 91 out of 100, Very strong | $10.2B | 14.9% | 0.31% | vs |
| Greeneville City Employees' Credit UnionCredit union Greeneville, TN | 90 out of 100, Very strong | $13.9M | 29.5% | 0.32% | vs |
| Greeneville Works Empls. Sav. Assn. Credit UnionCredit union Greeneville, TN | 86 out of 100, Very strong | $1.8M | 52.1% | 0.00% | vs |
| Clinchfield Federal Credit UnionCredit union Erwin, TN | 83 out of 100, Strong | $140.3M | 12.5% | 0.25% | vs |
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |