Heritage Community Bank


1206 Sussex Turnpike
Randolph, NJ 07869
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.80% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Heritage Community Bank is an FDIC insured institution located in Randolph, NJ. It was founded in 2006 and has approximately $0.13 billion in assets.

FDIC Insured Yes
FDIC Certificate # 58213
Date Established 2006
Assets $ 134.54 million
Loans $ 109.27 million
Deposits $ 124.32 million
Capital $ 9.71 million

For a more detailed analysis of Heritage Community Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 23, 2021

Your Current Location: California, CA 92111


Loan Rates - September 23, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for Heritage Community Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
CashCall Mortgage
NMLS ID: 128231
2.914% 2.875%
0.50 points
$1,250 fees
$1,038 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Heritage Community Bank
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Heritage Community Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California

Heritage Community Bank Locations

Financial Details

Heritage Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Heritage Community Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Heritage Community Bank U.S. Bank Average
34.22% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2021, Heritage Community Bank had $3,637,000 in non-current loans and $682,000 in owned real estate. To cover these potential losses it had $9,713,000 in equity and $2,910,000 in loans loss reserves. That gives it a Texas Ratio of 34.22%.

Return on Equity
Heritage Community Bank U.S. Bank Average
1.7% 11.43%

Heritage Community Bank has a Return on Equity of 1.7% versus the BestCashCow average of 11.43%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Heritage Community Bank U.S. Bank Average
7.22% 11.51%

Heritage Community Bank has a Capitalization of 7.22% versus the BestCashCow average of 11.51. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Heritage Community Bank Balance Sheet Analysis

As of December 31, 2013, Heritage Community Bank had assets of $134,542,000, loans of $109,269,000, and deposits of $124,318,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 109.27 million
Loan loss allowance $ 2.91 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.68 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 124.32 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 134.54 million

Summary Income Statement

March 31, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Heritage Community Bank’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in New Jersey, Heritage Community Bank has a significantly higher percent of Small Business Loans, Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 23.09
Credit Card Loans 0.00
Consumer Auto Loans 0.16
Small Business Loans 25.64
Construction and Development Loans 0.09
Commercial Real Estate 39.49
Commercial and Industrial Loans 39.78
Farm Loans 0.00

Frequently Asked Questions About Heritage Community Bank

Branches and Savings

Is Heritage Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58213.

Why does Heritage Community Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Heritage Community Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Heritage Community Bank a commercial bank?


Where are Heritage Community Bank locations?

See branch locations nearby.

Is Heritage Community Bank open on Saturdays?

Is Heritage Community Bank open on Sundays?

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What time does Heritage Community Bank close?

Are Heritage Community Bank ATMs Open 24/7?

Do Heritage Community Bank ATMs accept cash deposits?

Can Heritage Community Bank customers use other ATMs?

Do Heritage Community Bank branches have notaries?

Will Heritage Community Bank notarize my document?

What address for Heritage Community Bank should I put for incoming ACH transfers?

Will the Heritage Community Bank branch print checks?

Do Heritage Community Bank checks expire?

Does Heritage Community Bank require US citizenship to open account?

Can Heritage Community Bank close my account?

Does Heritage Community Bank Report to credit bureaus?

Does Heritage Community Bank Use Equifax?

What is Heritage Community Bank's ACH Routing Number?

What is Heritage Community Bank's SWIFT code?


Does Heritage Community Bank offer mortgages?

Compare mortgage rates here.

Does Heritage Community Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Heritage Community Bank offer personal loans?

Compare personal loan rates here.

Does Heritage Community Bank offer student loans?

Will Heritage Community Bank cash a check?

Will Heritage Community Bank redeem a savings bond?

Does Heritage Community Bank cash savings bonds?

Will Heritage Community Bank cash money orders?

Can Heritage Community Bank issue a money order?

Does Heritage Community Bank do currency exchange?

Background on The Bank

Who owns Heritage Community Bank?

How long has Heritage Community Bank been around?

Can Heritage Community Bank transfer to other banks?

Does Heritage Community Bank have quick pay?

Does Heritage Community Bank accept rolled coins?

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Where is Heritage Community Bank headquarters?

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