Side-by-side · Q2 2026 data
Community First Bank of the Heartland vs First Community Bank, Xenia-Flora
Metric by metric
| Measure | Community First Bank of the Heartland | First Community Bank, Xenia-Flora |
|---|---|---|
| TellerScore | 76 | 86 (stronger) |
| Capital cushion | 51 | 70 (stronger) |
| Loan quality | 78 | 93 (stronger) |
| Earnings | 100 (stronger) | 90 |
| Funding & liquidity | 80 | 96 (stronger) |
| Problem-loan coverage | 89 | 98 (stronger) |
| Peer percentile | 64th | 81st |
| Total assets | $266.8M | $55.5M |
| Deposits / shares | $237.9M | $47.3M |
| Capital ratio | 10.14% | 12.03% (stronger) |
| Problem loans | 0.66% | 0.22% (stronger) |
| Net charge-offs | 0.06% | -0.04% (stronger) |
| Return on assets | 2.22% (stronger) | 1.76% |
| Loans ÷ deposits | 80.0% | 64.6% (stronger) |
| Uninsured deposits | 13.2% | 11.9% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Community Bank, Xenia-Flora has the higher TellerScore (86 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Community First Bank of the Heartland leads on 1 and First Community Bank, Xenia-Flora on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.