Side-by-side · Q2 2026 data
Citizens Savings Bank and Trust Company vs Heritage Community Bank
Metric by metric
| Measure | Citizens Savings Bank and Trust Company | Heritage Community Bank |
|---|---|---|
| TellerScore | 32 | 71 (stronger) |
| Capital cushion | 46 | 53 (stronger) |
| Loan quality | 9 | 99 (stronger) |
| Earnings | 29 | 55 (stronger) |
| Funding & liquidity | 43 | 65 (stronger) |
| Problem-loan coverage | 41 | 100 (stronger) |
| Peer percentile | 1st | 47th |
| Total assets | $188.1M | $184.4M |
| Deposits / shares | $156.5M | $152.1M |
| Capital ratio | 9.56% | 10.31% (stronger) |
| Problem loans | 2.72% | 0.03% (stronger) |
| Net charge-offs | 0.20% | 0.02% (stronger) |
| Return on assets | 0.22% | 0.87% (stronger) |
| Loans ÷ deposits | 101.3% | 94.3% (stronger) |
| Uninsured deposits | 28.8% | 15.4% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 52.7% | — |
Heritage Community Bank has the higher TellerScore (71 vs 32). On the 7 directional measures above (where higher or lower is clearly better), Citizens Savings Bank and Trust Company leads on 0 and Heritage Community Bank on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.