Heritage Community Bank is a bank based in Union, Missouri, established in 1935, with $330 million in total assets across 5 branches. By Trust Grade it ranks 151st of 195 banks we track in Missouri. Its capital ratio of 8.1% trails most similarly sized banks (16th percentile), versus a Missouri median of 10.3%. It was profitable over the most recent period, with a 1.30% return on assets. No consumer complaints against Heritage Community Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Heritage Community Bank compares to Missouri peers
How we graded Heritage Community Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.1% capital ratio)
- Strongly profitable (ROA 1.30%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Heritage Community Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (5)
- 15967 Hwy 47, Marthasville, MO 63357
- 801 Franklin Ave, Washington, MO 63090
- 101 South Main St, Chamois, MO 65024
- 8601 Daniel Dunklin Blvd, Pevely, MO 63070
- 100 E Locust St, Union, MO 63084
Are deposits at Heritage Community Bank insured?
Yes. Heritage Community Bank is an FDIC-insured bank (FDIC certificate #15282). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Heritage Community Bank: frequently asked questions
Is Heritage Community Bank a good bank?
Heritage Community Bank earns a Bankzia Trust Grade of A (91/100, "Excellent"), based on a financial-strength score of 91/100 (it has no CFPB complaints on record). Well-capitalized (8.1% capital ratio); Strongly profitable (ROA 1.30%).
Is Heritage Community Bank FDIC-insured?
Yes. Heritage Community Bank is a FDIC-insured bank (FDIC certificate #15282). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Heritage Community Bank?
Heritage Community Bank holds $330 million in total assets, ranking 151st of 195 banks we track in Missouri. It operates 5 branches.
Does Heritage Community Bank have CFPB complaints?
No CFPB complaints against Heritage Community Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
