Side-by-side · Q2 2026 data
Commercial Bank & Trust Co. vs First Community Bank of the Heartland, Inc.
Bank
First Community Bank of the Heartland, Inc.
Clinton, Kentucky · $100 million – $1 billion
Metric by metric
| Measure | Commercial Bank & Trust Co. | First Community Bank of the Heartland, Inc. |
|---|---|---|
| TellerScore | 80 (stronger) | 56 |
| Capital cushion | 71 (stronger) | 31 |
| Loan quality | 95 (stronger) | 64 |
| Earnings | 71 (stronger) | 70 |
| Funding & liquidity | 70 (stronger) | 59 |
| Problem-loan coverage | 98 (stronger) | 79 |
| Peer percentile | 90th | 13th |
| Total assets | $1.1B | $506.0M |
| Deposits / shares | $972.0M | $446.3M |
| Capital ratio | 12.08% (stronger) | 8.12% |
| Problem loans | 0.15% (stronger) | 1.07% |
| Net charge-offs | 0.05% | 0.02% (stronger) |
| Return on assets | 1.26% (stronger) | 1.25% |
| Loans ÷ deposits | 64.9% (stronger) | 90.9% |
| Uninsured deposits | 37.5% | 24.1% (stronger) |
| Offices | 9 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.5% |
Commercial Bank & Trust Co. has the higher TellerScore (80 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Commercial Bank & Trust Co. leads on 5 and First Community Bank of the Heartland, Inc. on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.