This institution is no longer active

Operations ceased on January 22, 2003. CRA examination history below reflects the period it was active.

THE HERITAGE BANK OF ST. JOSEPH

ST. JOSEPH, MO · Supervised by FDIC

Est. 1985FDIC #26,237RSSD: FDIC-26237

Part ofBUCHANAN COUNTY BANCSHARES INC→ View all charters

Satisfactory Same

Current rating · Exam: September 1993

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.36%

Institution Profile

FDIC BankFind

Address

1701 South Belt Highway, ST. JOSEPH, MO

County

Buchanan County

Established

May 3, 1985

Total Assets

$166M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 1, 1993

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 32 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2002Call Report / FDIC

Total Assets

$166M

Total Deposits

$142M

Net Loans

$79M

Net Income

$4M

ROA

2.36%

ROE

29.90%

Risk-Based Capital

16.09%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 1990

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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