Side-by-side · Q2 2026 data
Bank of Franklin County vs Heritage Bank of the Ozarks
Metric by metric
| Measure | Bank of Franklin County | Heritage Bank of the Ozarks |
|---|---|---|
| TellerScore | 65 (stronger) | 45 |
| Capital cushion | 45 | 46 (stronger) |
| Loan quality | 91 (stronger) | 9 |
| Earnings | 50 | 67 (stronger) |
| Funding & liquidity | 65 | 65 |
| Problem-loan coverage | 93 (stronger) | 55 |
| Peer percentile | 29th | 4th |
| Total assets | $419.4M | $424.0M |
| Deposits / shares | $357.5M | $376.9M |
| Capital ratio | 9.53% | 9.64% (stronger) |
| Problem loans | 0.27% (stronger) | 2.74% |
| Net charge-offs | 0.21% | 0.01% (stronger) |
| Return on assets | 0.74% | 1.18% (stronger) |
| Loans ÷ deposits | 95.6% | 86.1% (stronger) |
| Uninsured deposits | 11.9% (stronger) | 23.3% |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.0% | — |
Bank of Franklin County has the higher TellerScore (65 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Bank of Franklin County leads on 3 and Heritage Bank of the Ozarks on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.