Side-by-side · Q2 2026 data
Community Trust Bank, Inc. vs Heritage Bank, Inc.
Metric by metric
| Measure | Community Trust Bank, Inc. | Heritage Bank, Inc. |
|---|---|---|
| TellerScore | 80 (stronger) | 65 |
| Capital cushion | 84 (stronger) | 40 |
| Loan quality | 81 | 84 (stronger) |
| Earnings | 86 (stronger) | 61 |
| Funding & liquidity | 55 | 71 (stronger) |
| Problem-loan coverage | 93 | 93 |
| Peer percentile | 90th | 36th |
| Total assets | $6.9B | $2.0B |
| Deposits / shares | $5.7B | $1.8B |
| Capital ratio | 13.43% (stronger) | 9.01% |
| Problem loans | 0.58% | 0.47% (stronger) |
| Net charge-offs | 0.09% (stronger) | 0.12% |
| Return on assets | 1.64% (stronger) | 1.03% |
| Loans ÷ deposits | 89.3% | 67.1% (stronger) |
| Uninsured deposits | 29.6% (stronger) | 35.3% |
| Offices | 78 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.9% | — |
Community Trust Bank, Inc. has the higher TellerScore (80 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Community Trust Bank, Inc. leads on 5 and Heritage Bank, Inc. on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.