Side-by-side · Q2 2026 data
Central Bank vs Heritage Community Bank
Metric by metric
| Measure | Central Bank | Heritage Community Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 71 |
| Capital cushion | 70 (stronger) | 53 |
| Loan quality | 100 (stronger) | 99 |
| Earnings | 50 | 55 (stronger) |
| Funding & liquidity | 79 (stronger) | 65 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 72nd | 47th |
| Total assets | $160.2M | $184.4M |
| Deposits / shares | $141.1M | $152.1M |
| Capital ratio | 11.95% (stronger) | 10.31% |
| Problem loans | 0.00% (stronger) | 0.03% |
| Net charge-offs | 0.65% | 0.02% (stronger) |
| Return on assets | 0.75% | 0.87% (stronger) |
| Loans ÷ deposits | 80.8% (stronger) | 94.3% |
| Uninsured deposits | 15.0% (stronger) | 15.4% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Central Bank has the higher TellerScore (78 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Central Bank leads on 5 and Heritage Community Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.