Side-by-side · Q2 2026 data
Community Bank and Trust vs Heritage Bank of the Ozarks
Metric by metric
| Measure | Community Bank and Trust | Heritage Bank of the Ozarks |
|---|---|---|
| TellerScore | 72 (stronger) | 45 |
| Capital cushion | 34 | 46 (stronger) |
| Loan quality | 96 (stronger) | 9 |
| Earnings | 65 | 67 (stronger) |
| Funding & liquidity | 99 (stronger) | 65 |
| Problem-loan coverage | 99 (stronger) | 55 |
| Peer percentile | 50th | 4th |
| Total assets | $445.1M | $424.0M |
| Deposits / shares | $394.4M | $376.9M |
| Capital ratio | 8.37% | 9.64% (stronger) |
| Problem loans | 0.13% (stronger) | 2.74% |
| Net charge-offs | 0.04% | 0.01% (stronger) |
| Return on assets | 1.12% | 1.18% (stronger) |
| Loans ÷ deposits | 51.6% (stronger) | 86.1% |
| Uninsured deposits | 16.1% (stronger) | 23.3% |
| Offices | 13 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Community Bank and Trust has the higher TellerScore (72 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Community Bank and Trust leads on 4 and Heritage Bank of the Ozarks on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.