Side-by-side · Q2 2026 data
First Bank and Trust of Fullerton vs Heritage Bank
Metric by metric
| Measure | First Bank and Trust of Fullerton | Heritage Bank |
|---|---|---|
| TellerScore | 87 (stronger) | 86 |
| Capital cushion | 92 | 100 (stronger) |
| Loan quality | 100 (stronger) | 61 |
| Earnings | 62 | 100 (stronger) |
| Funding & liquidity | 79 (stronger) | 74 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 91st | 90th |
| Total assets | $108.3M | $611.6M |
| Deposits / shares | $83.9M | $420.5M |
| Capital ratio | 14.20% | 23.01% (stronger) |
| Problem loans | 0.00% (stronger) | 1.18% |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 1.06% | 2.58% (stronger) |
| Loans ÷ deposits | 81.7% | 70.5% (stronger) |
| Uninsured deposits | 13.8% (stronger) | 29.0% |
| Offices | 2 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Bank and Trust of Fullerton has the higher TellerScore (87 vs 86). On the 7 directional measures above (where higher or lower is clearly better), First Bank and Trust of Fullerton 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.