Side-by-side · Q2 2026 data
Central Bank & Trust Co. vs Heritage Bank, Inc.
Metric by metric
| Measure | Central Bank & Trust Co. | Heritage Bank, Inc. |
|---|---|---|
| TellerScore | 76 (stronger) | 65 |
| Capital cushion | 74 (stronger) | 40 |
| Loan quality | 93 (stronger) | 84 |
| Earnings | 71 (stronger) | 61 |
| Funding & liquidity | 42 | 71 (stronger) |
| Problem-loan coverage | 98 (stronger) | 93 |
| Peer percentile | 80th | 36th |
| Total assets | $4.0B | $2.0B |
| Deposits / shares | $3.1B | $1.8B |
| Capital ratio | 12.42% (stronger) | 9.01% |
| Problem loans | 0.21% (stronger) | 0.47% |
| Net charge-offs | -0.04% (stronger) | 0.12% |
| Return on assets | 1.27% (stronger) | 1.03% |
| Loans ÷ deposits | 95.7% | 67.1% (stronger) |
| Uninsured deposits | 35.1% (stronger) | 35.3% |
| Offices | 29 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | — |
Central Bank & Trust Co. has the higher TellerScore (76 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Central Bank & Trust Co. leads on 6 and Heritage Bank, Inc. on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Florence, KY
- Fort Mitchell, KY
- Union, KY