Side-by-side · Q2 2026 data
Citizens Bank of Kentucky, Inc. vs Hearthside Bank Corporation
Metric by metric
| Measure | Citizens Bank of Kentucky, Inc. | Hearthside Bank Corporation |
|---|---|---|
| TellerScore | 79 (stronger) | 68 |
| Capital cushion | 85 (stronger) | 51 |
| Loan quality | 72 | 89 (stronger) |
| Earnings | 61 (stronger) | 54 |
| Funding & liquidity | 95 (stronger) | 65 |
| Problem-loan coverage | 94 | 95 (stronger) |
| Peer percentile | 75th | 37th |
| Total assets | $669.9M | $608.9M |
| Deposits / shares | $571.0M | $547.9M |
| Capital ratio | 13.51% (stronger) | 10.07% |
| Problem loans | 0.85% | 0.32% (stronger) |
| Net charge-offs | 0.03% | -0.01% (stronger) |
| Return on assets | 1.04% (stronger) | 0.85% |
| Loans ÷ deposits | 59.8% (stronger) | 82.4% |
| Uninsured deposits | 20.0% (stronger) | 26.5% |
| Offices | 12 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.3% | 11.7% |
Citizens Bank of Kentucky, Inc. has the higher TellerScore (79 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of Kentucky, Inc. leads on 5 and Hearthside Bank Corporation on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.