Side-by-side · Q2 2026 data
First Central Bank vs Hershey Bank
Metric by metric
| Measure | First Central Bank | Hershey Bank |
|---|---|---|
| TellerScore | 50 | 67 (stronger) |
| Capital cushion | 66 | 82 (stronger) |
| Loan quality | 0 | 59 (stronger) |
| Earnings | 73 (stronger) | 68 |
| Funding & liquidity | 70 (stronger) | 40 |
| Problem-loan coverage | 55 | 84 (stronger) |
| Peer percentile | 7th | 34th |
| Total assets | $137.8M | $141.1M |
| Deposits / shares | $117.7M | $109.0M |
| Capital ratio | 11.59% | 13.24% (stronger) |
| Problem loans | 3.47% | 1.22% (stronger) |
| Net charge-offs | -0.12% (stronger) | 0.02% |
| Return on assets | 1.34% (stronger) | 1.20% |
| Loans ÷ deposits | 89.3% (stronger) | 110.3% |
| Uninsured deposits | 15.8% (stronger) | 24.4% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Hershey Bank has the higher TellerScore (67 vs 50). On the 7 directional measures above (where higher or lower is clearly better), First Central Bank leads on 4 and Hershey Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.