Side-by-side · Q2 2026 data
First Bank of Utica vs Heritage Bank
Metric by metric
| Measure | First Bank of Utica | Heritage Bank |
|---|---|---|
| TellerScore | 76 | 86 (stronger) |
| Capital cushion | 93 | 100 (stronger) |
| Loan quality | 79 (stronger) | 61 |
| Earnings | 45 | 100 (stronger) |
| Funding & liquidity | 67 | 74 (stronger) |
| Problem-loan coverage | 94 | 95 (stronger) |
| Peer percentile | 56th | 90th |
| Total assets | $77.4M | $611.6M |
| Deposits / shares | $62.4M | $420.5M |
| Capital ratio | 14.27% | 23.01% (stronger) |
| Problem loans | 0.63% (stronger) | 1.18% |
| Net charge-offs | 0.08% | 0.00% (stronger) |
| Return on assets | 0.63% | 2.58% (stronger) |
| Loans ÷ deposits | 93.4% | 70.5% (stronger) |
| Uninsured deposits | 12.7% (stronger) | 29.0% |
| Offices | 4 | 15 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Heritage Bank has the higher TellerScore (86 vs 76). On the 7 directional measures above (where higher or lower is clearly better), First Bank of Utica leads on 2 and Heritage Bank on 5. 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.