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About Us


Heritage Community Bank will continue to serve its markets by providing quality products and services to its commercial and individual banking customers in their primary market area and surrounding communities. The Bank will grow assets at a moderate rate, remain well-capitalized and financially sound while maintaining a reasonable level of profitability.

Core Principles

  • We will maintain an environment of integrity and honesty.
  • We will deal fairly with our customers and staff.
  • We will be loyal to our customers and employees.
  • We will implement and maintain conservative business practices to keep the Bank strong and financially sound.
  • We will strive to fund  our loan and investments with core deposits.
  • We are committed to the communities that we serve. The success of the Bank is tied to the wellbeing of these communities and we will support them whenever possible.
  • We will be open to every business opportunity to expand and enhance our business performance and operations.
  • We will deliver quality products and services to our customers and communities.
  • We will provide fair compensation and benefit programs for our employees
  • We will maintain a high level of asset quality.


The United Bank of Chamois opened their doors on Monday, September 23, 1935. It was a joint venture of the Bank of Chamois and Peoples Bank of Chamois. The Cashier and assistant cashier were A. A. Schmudde and R.H. Pahmeier, respectively.

Effective September 28, 2007 another merger was finalized. A community minded group of investors from the Washington, Marthasville, Union, MO areas decided they would like to partner with United Bank of Chamois Stockholders to form a bank that could expand into their areas. Their goal was to reclaim "community banking" for their areas. The new holding company that was formed is Heritage Management Company, Inc. The holding company has retained the full service bank in Chamois, Marthasville, and has now opened new facilities in Union and Washington. These banks are known as HERITAGE COMMUNITY BANK.

As we have changed so have the needs of our customers. Everything has become faster paced. Juggling family, career, community and recreation has become a tall order. We have opened early in Chamois for years to accommodate our commuters. Now the demands on your time have necessitated implementation of telephone and internet banking. Debit/ATM cards make your time in the checkout line shorter. Check imaging makes balancing your checkbook a more efficient process. We know your time and money are precious commodities. We will continue to implement new products to help you better manage these commodities.

We have expanded into other markets, added products and added new staff, however, one thing has never changed. Heritage Community Bank has always and will always provide friendly and efficient service to our customers. We see our customers as friends and family not a number.

If you ever have a question or just want to visit, please give us a call or stop by. We do still love to hear about you and your family. Heritage Community Bank is committed to you. After all, we are the Bank where People Make a Difference.


The mission of Heritage Community Bank is to provide quality financial services to individuals, businesses and organizations while developing lasting partnerships with each of our customers through responsive, flexible and superior personal service.