Bank · FDIC insured
Heritage Community Bank
A $347.8M bank headquartered in Union, MO, with 5 branches in Missouri. Best rates: CDs 4.25% and savings 0.20% APY.
Heritage Community Bank Carrot Score
75
Carrot Score
Higher than 40% of U.S. banks and credit unions
#49 of 79 in St. Louis, MO-IL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Heritage Community Bank
The United Bank of Chamois opened in 1935, and Heritage Community Bank operates under the holding company Heritage Management Company, Inc., formed in 2007.
- Headquarters
- 100 E Locust St, Union, MO 63084
- FDIC certificate
- 15282 ↗
Branches
5 branches in Missouri
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Missouri
5 branches
St. Louis area · 4
- Heritage Community BankMain office100 E Locust St, Union, MO 63084Directions
- Marthasville Branch15967 Hwy 47, Marthasville, MO 63357Directions
- Pevely Branch8601 Daniel Dunklin Blvd, Pevely, MO 63070Directions
- Washington Branch801 Franklin Ave, Washington, MO 63090Directions
Jefferson City area · 1
- Chamois Branch101 South Main St, Chamois, MO 65024Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.30% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.59% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.42% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $105 | $81 | — |
- CapitalLeverage ratio8.30%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.59%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.42%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$105Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Heritage Community Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.