Side-by-side · Q2 2026 data
First Bank and Trust Company vs Heritage Bank
Metric by metric
| Measure | First Bank and Trust Company | Heritage Bank |
|---|---|---|
| TellerScore | 78 | 86 (stronger) |
| Capital cushion | 55 | 100 (stronger) |
| Loan quality | 100 (stronger) | 61 |
| Earnings | 60 | 100 (stronger) |
| Funding & liquidity | 95 (stronger) | 74 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 60th | 90th |
| Total assets | $91.2M | $611.6M |
| Deposits / shares | $66.3M | $420.5M |
| Capital ratio | 10.55% | 23.01% (stronger) |
| Problem loans | 0.00% (stronger) | 1.18% |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 1.01% | 2.58% (stronger) |
| Loans ÷ deposits | 65.3% (stronger) | 70.5% |
| Uninsured deposits | 10.9% (stronger) | 29.0% |
| Offices | 1 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Heritage Bank has the higher TellerScore (86 vs 78). On the 7 directional measures above (where higher or lower is clearly better), First Bank and Trust Company leads on 4 and Heritage Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.