Side-by-side · Q2 2026 data
American Heritage Bank vs The Payne County Bank
Metric by metric
| Measure | American Heritage Bank | The Payne County Bank |
|---|---|---|
| TellerScore | 71 | 83 (stronger) |
| Capital cushion | 46 | 94 (stronger) |
| Loan quality | 93 (stronger) | 64 |
| Earnings | 58 | 100 (stronger) |
| Funding & liquidity | 84 (stronger) | 69 |
| Problem-loan coverage | 98 (stronger) | 88 |
| Peer percentile | 63rd | 84th |
| Total assets | $1.5B | $313.2M |
| Deposits / shares | $1.2B | $257.1M |
| Capital ratio | 9.57% | 14.39% (stronger) |
| Problem loans | 0.21% (stronger) | 1.09% |
| Net charge-offs | 0.11% | 0.09% (stronger) |
| Return on assets | 0.95% | 2.35% (stronger) |
| Loans ÷ deposits | 42.8% (stronger) | 91.0% |
| Uninsured deposits | 30.0% | 15.6% (stronger) |
| Offices | 18 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.6% |
The Payne County Bank has the higher TellerScore (83 vs 71). On the 7 directional measures above (where higher or lower is clearly better), American Heritage Bank leads on 2 and The Payne County Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.